2043 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2043 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,307 sqft · built 2020
Lot Size	0.192 acres (8,367 sqft)
Owner	Individual Name on Record
Last Sale	$100 (Sep 2021)
Tax Bill	$78 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8919-01-110`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8919-01-110`
Alternative APNs	`282119891901110` `205368` `209644` `213658`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,307 sqft Living Area
Gross Area	3,260 sqft
1st Floor Area	2,307 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,367 sqft (0.192 acres)
Garage Type	Attached
Garage Area	629 sqft
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2043 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU-ES-GT
Legal Description	VISTAS AT WATERS EDGE PHASE 2 100/41 LOT 111
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 2
Legal Phase	2
Legal Block	1
Legal Lot Number	111
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

Source: Orange County records, as of June 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · VA Mortgage INDEPENDENT HOME LOANS
Sep 8, 2021	Intrafamily Transfer, Transfer · VA Mortgage JFQ LENDING INC
Jul 23, 2020	Grant Deed, Subdivision Related Transfer · VA Mortgage M/L FIN'L LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2021 · Amount on Record
Deed Sale	Sep 8, 2021 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	2021547979
Prior Transfer Date	Apr 29, 2021
Prior Transfer Doc	0000547979
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	May 29, 2026
Property Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000301907
Instrument Date	May 21, 2026
Instrument	2026301907
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260

Mortgage

Document Number	0000301907,
Date	May 29, 2026
Instrument	2026301907

Lender

Name	INDEPENDENT HOME LOANS

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Sep 8, 2021
Property Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000547979
Map Reference	MB 100 PG 41
Instrument Date	Apr 29, 2021
Instrument	20210547979
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260

Mortgage

Document Number	0000547980
Date	Sep 8, 2021
Instrument	20210547980

Lender

Name	JFQ LENDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	May 1, 2051

July 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 23, 2020
Property Address	2043 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000392520
Instrument Date	Jul 22, 2020
Instrument	392520
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 10, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,546.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 PANORAMIC CIR APOPKA FL 327039260, APOPKA, FL 32703-9260

Mortgage

Document Number	392522
Date	Jul 23, 2020
Instrument	392522

Lender

Name	M/L FIN'L LLC
Address	4131 WORTH AVE # 460, COLUMBUS, OH 43219

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$393,935 (+2.7%)	$490,240 (-1.14%) Land $100,000 Building $390,240
2025	$78.00 (+2%) Homeowner's exemption	$383,578 (+5.99%)	$495,900 (+10.57%) Land $100,000 Building $395,900
2024	$65.00 (+8.33%)
2023	$60.00 (+3%) Homeowner's exemption	$361,911 (+3%)	$448,496 (+18.81%) Land $100,000 Building $348,496
2022	$15.00 Homeowner's exemption	$351,370	$377,485 Land $85,000 Building $292,485

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

Flood

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 Record median of 19 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Oct 2014 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	APOPKA, CITY OF (5 WTPS) serves 71,917 people · EPA ID FL3480200
Water Source	Groundwater
Last State Inspection	Apr 2023
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Zentro.

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