1040 Pine Shadow Dr, Apopka, FL 32712 Property Records

Orange County property record for 1040 Pine Shadow Dr, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,247 sqft · built 1986
Lot Size	0.421 acres (18,326 sqft)
Owner	2 Individual Names on File
Last Sale	$209,200 (Dec 2003)
Tax Bill	$2,625 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`34-20-28-9097-01-360`

Property Details

APN / Parcel Number

Primary APN	`34-20-28-9097-01-360`
Alternative APNs	`282034909701360` `182820` `186303` `189965`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,247 sqft Living Area
Gross Area	3,186 sqft
1st Floor Area	2,247 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2005
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,326 sqft (0.421 acres)
Garage Type	Attached
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	347 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	1040 PINE SHADOW DR
City	APOPKA
State	FL
Zip	32712-8143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	WEKIWA GLEN REPLAT 10/85 LOT 136
Legal Range	28E
Legal Township	20S
Legal Section	34
Legal Subdivision	WEKIWA GLEN REP
Legal Tract	9097
Legal Block	1
Legal Lot Number	136
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1024
Census Tract	17805

Owner

Source: Orange County records · APN 34-20-28-9097-01-360

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1040 PINE SHADOW DR, APOPKA, FL 32712-8143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 08, 2003 · Amount on Record
Deed Sale	Dec 08, 2003 · Amount on Record
Prior Sale	Oct 21, 2003
Deed Document Number	2003704378
Deed Book / Page	7222 / 3703
Prior Transfer Date	Oct 20, 2003
Prior Transfer Doc	0000611261
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	1040 PINE SHADOW DR, APOPKA, FL 32712-8143
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 PINE SHADOW DR, APOPKA, FL 32712-8143

Mortgage

Document Number	0000133309
Date	Mar 06, 2026
Instrument	20260133309

Lender

Name	CLIMATE FIRST BANK
Type	Bank
Address	EUSTIS, FL 32726

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Apopka City
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$206,132 (+2.7%)	$437,020 (-1.21%) Land $90,000 Building $347,020
2025	$2,625.00 (+2.26%) Homeowner's exemption	$200,713 (+5.99%)	$442,360 (+9.88%) Land $90,000 Building $352,360
2024	$2,567.00 (+7.23%)
2023	$2,394.00 (+5.37%) Homeowner's exemption	$189,375 (+3%)	$402,577 (+13.08%) Land $90,000 Building $312,577
2022	$2,272.00 Homeowner's exemption	$183,859	$355,996 Land $90,000 Building $265,996

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	High above 75% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

Based on FCC filings for 76 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	APOPKA, CITY OF (5 WTPS) serves 71,917 people
Water Source	Groundwater
Last State Inspection	Apr 2023
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.