2055 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2055 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,236 sqft · built 2020
Lot Size	0.192 acres (8,367 sqft)
Owner	2 Individual Names on File
Last Sale	$422,300 (Apr 2020)
Tax Bill	$6,978 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8919-01-090`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8919-01-090`
Alternative APNs	`282119891901090` `205366` `209641` `213655`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,236 sqft Living Area
Gross Area	4,623 sqft
1st Floor Area	1,523 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	675 sqft
Porch	Slab
Porch Area	250 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2055 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 109
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	109
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

2055 Panoramic Cir is owned and occupied by two individuals who bought it in April 2020.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Dec 20, 2023	Deed of Trust, Mortgage · Line of Credit ADVENTHEALTH CREDIT UNION
Apr 24, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2020 · Amount on File
Deed Sale	Apr 24, 2020 · Amount on File
Deed Document Number	2020253068
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Apr 2, 2026
Property Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000191504
Instrument Date	Mar 16, 2026
Instrument	2026191504
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260

Mortgage

Document Number	0000191504,
Date	Apr 2, 2026
Instrument	2026191504

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.09%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260

Mortgage

Document Number	0000728838
Date	Dec 20, 2023
Instrument	20230728838

Lender

Name	ADVENTHEALTH CREDIT UNION
Type	Credit Union
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 24, 2020
Property Address	2055 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000253068
Instrument Date	Apr 23, 2020
Instrument	253068
Transaction Type	Subdivision Related Transfer
Record Updated	May 12, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,956.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2055 PANORAMIC CIR APOPKA FL 327039260, APOPKA, FL 32703-9260

Mortgage

Document Number	253069
Date	Apr 24, 2020
Instrument	253069

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2055 Panoramic Cir was $6,978, up 1.6% from the year before.

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		$486,732 (+2.7%)	$619,160 (-1.2%) Land $100,000 Building $519,160
2025	$6,978.00 (+1.63%) Homeowner's exemption	$473,936	$626,650 Land $100,000 Building $526,650
2024	$6,866.00 (+7.15%)
2023	$6,408.00 (+3.52%) Homeowner's exemption	$447,164 (+3%)	$557,145 (+18.81%) Land $100,000 Building $457,145
2022	$6,190.00 Homeowner's exemption	$434,140	$468,956 Land $85,000 Building $383,956

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

Flood

FEMA maps place 2055 Panoramic Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 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

Wildfire risk around 2055 Panoramic Cir is moderate, ranking above 45% of the US, with a 0.1% annual chance of 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.

Nearby Properties on Panoramic Cir

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