2085 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2085 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,316 sqft · built 2020
Lot Size	0.192 acres (8,366 sqft)
Owner	2 Company Names on File
Last Sale	$383,175 (Nov 2020)
Tax Bill	$7,859 (2025)
Deeds & Mortgages	Apr 2022 Transfer Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8919-01-040`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8919-01-040`
Alternative APNs	`282119891901040` `205360` `209635` `213648`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,086 sqft
1st Floor Area	2,316 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	8,366 sqft (0.192 acres)
Garage Type	Attached
Garage Area	618 sqft
Porch	Finished/Open Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2085 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 104
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	104
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

Source: Orange County assessment roll, as of April 30, 2026

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

Owner of Record	2 Company Names on File
Mailing Address	10045 E NOPAL AVE, MESA, AZ 85209-7924
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Intrafamily Transfer, Transfer
Nov 20, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M/L FIN'L LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Deed Document Number	2020611223
Last Transfer Date	Mar 31, 2022
Transfer Doc	0000230990
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Apr 8, 2022
Property Address	2085 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000230990
Map Reference	MB 100 PG 41
Instrument Date	Mar 31, 2022
Instrument	20220230990
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Revocable Trust
Address	10045 E NOPAL AVE, MESA, AZ 85209-7924

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 20, 2020
Property Address	2085 PANORAMIC CIR, APOPKA, FL 32703-9260
Document Number	0000611223
Instrument Date	Nov 19, 2020
Instrument	611223
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2020
Title Company	MILL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,682.00
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	10045 E NOPAL AVE CINCINNATI OH 45209, CINCINNATI, OH 45209

Mortgage

Document Number	611225
Date	Nov 20, 2020
Instrument	611225

Lender

Name	M/L FIN'L LLC
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 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		$484,550 (-1.14%) Land $100,000 Building $384,550	$484,550 (-1.14%) Land $100,000 Building $384,550
2025	$7,859.00 (+5.39%)	$490,130 (+10.55%) Land $100,000 Building $390,130	$490,130 (+10.55%) Land $100,000 Building $390,130
2024	$7,457.00 (+12.1%)
2023	$6,652.00 (+13.94%)	$443,339 (+18.81%) Land $100,000 Building $343,339	$443,339 (+18.81%) Land $100,000 Building $343,339
2022	$5,838.00	$373,157 Land $85,000 Building $288,157	$373,157 Land $85,000 Building $288,157

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 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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: Everywhere Wireless, Verizon.

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