Orange County property record for 1802 Bluff Oak St, Apopka, FL 32712
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,495 sqft · built 1984 |
| Lot Size | 0.378 acres (16,456 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $427,000 (Sep 2021) |
| Tax Bill | $7,528 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-21-28-0636-00-270 |
| Primary APN | 01-21-28-0636-00-270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,495 sqft Living Area |
| Gross Area | 3,578 sqft |
| 1st Floor Area | 2,495 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,456 sqft (0.378 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 577 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 1802 BLUFF OAK ST |
|---|---|
| City | APOPKA |
| State | FL |
| Zip | 32712-3900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | BENT OAK PHASE 2 10/23 LOT 27 |
| Legal Range | 28E |
| Legal Township | 21S |
| Legal Section | 01 |
| Legal Subdivision | BENT OAK PH 2 |
| Legal Phase | 2 |
| Legal Tract | 636 |
| Legal Lot Number | 27 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | APOPKA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 17806 |
1802 Bluff Oak St is owned and occupied by two individuals who bought it in September 2021.
Source: Orange County records, as of May 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1802 BLUFF OAK ST, APOPKA, FL 32712-3900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2021 | Warranty Deed, Transfer · VA Mortgage ALERUS FINANCIAL NA |
| Dec 11, 2020 | Warranty Deed, Transfer · VA Mortgage WATERSTONE MTG CORP |
| Sep 22, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2021 · Amount on File |
| Deed Sale | Sep 7, 2021 · Amount on File |
| Prior Sale | Dec 11, 2020 · Amount on File |
| Deed Document Number | 2021542916 |
| Prior Transfer Date | Nov 18, 2004 |
| Prior Transfer Doc | 0077150652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Sep 7, 2021 |
| Property Address | 1802 BLUFF OAK ST, APOPKA, FL 32712-3900 |
| Document Number | 20210542916 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Aug 10, 2021 |
| Instrument | 20210542916 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,989.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 HONEYSUCKLE LN, 503, WOODSTOCK, GA 30188-1765 |
| Name | Verified Name |
|---|---|
| Address | 1802 BLUFF OAK ST, APOPKA, FL 32712-3900 |
| Document Number | 20210542917 |
|---|---|
| Date | Sep 7, 2021 |
| Instrument | 20210542917 |
| Name | ALERUS FINANCIAL NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Dec 11, 2020 |
| Property Address | 1802 BLUFF OAK ST, APOPKA, FL 32712-3900 |
| Document Number | 0000648643 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 648643 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2020 |
| Title Company | INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,723.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1802 BLUFF OAK ST APOPKA FL 327123900, APOPKA, FL 32712-3900 |
| Document Number | 648644 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 648644 |
| Name | WATERSTONE MTG CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 1802 BLUFF OAK ST, APOPKA, FL 32712-3900 |
| Document Number | 0000564318 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1802 BLUFF OAK ST APOPKA FL 327123900, APOPKA, FL 32712-3900 |
| Document Number | 0000564318 |
|---|---|
| Date | Oct 16, 2017 |
| Instrument | 564318 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 15, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1802 Bluff Oak St was $7,528, up 3.8% from the year before.
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $426,206 (+2.7%) | $485,170 (-1.17%) Land $145,000 Building $340,170 | |
| 2025 | $7,528.00 (+3.79%) Homeowner's exemption | $415,001 | $490,920 Land $145,000 Building $345,920 |
| 2024 | $7,253.00 (+6.15%) | ||
| 2023 | $6,833.00 (+20.21%) Homeowner's exemption | $391,558 (+3%) | $451,652 (+18.81%) Land $145,000 Building $306,652 |
| 2022 | $5,684.00 Homeowner's exemption | $380,153 Land $120,000 Building $260,153 | $380,153 Land $120,000 Building $260,153 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1802 Bluff Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 in force |
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.
Wildfire risk around 1802 Bluff Oak St is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SEMINOLE COUNTY SOUTHWEST serves 9,622 people · EPA ID FL3590785 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Also Mapped Here | OCUD/WESTERN REGIONAL WTR SYS (5 WPS), OCUD/SOUTHERN WATER SYS (5 WPS) |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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