2139 Palm Crest Dr, Apopka, FL 32712 Property Records

Orange County property record for 2139 Palm Crest Dr, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1985
Lot Size	0.529 acres (23,063 sqft)
Owner	2 Individual Names on File
Last Sale	$506,000 (Aug 2022)
Tax Bill	$7,198 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-20-28-8616-00-540`

Property Details

APN / Parcel Number

Primary APN	`36-20-28-8616-00-540`
Alternative APNs	`282036861600540` `184506` `187990` `191651`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,072 sqft Living Area
Gross Area	3,444 sqft
1st Floor Area	2,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,063 sqft (0.529 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	910 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2139 PALM CREST DR
City	APOPKA
State	FL
Zip	32712-2442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1AA
Legal Description	THE PALMS SECTION 1 12/10 LOT 54
Legal Range	28E
Legal Township	20S
Legal Section	36
Legal Subdivision	PALMS SEC 1
Legal Tract	8616
Legal Lot Number	54
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	2
Census Block	2010
Census Tract	17806

Owner

2139 Palm Crest Dr is owned and occupied by two individuals who bought it in August 2022.

Source: Orange County records, as of April 30, 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	2139 PALM CREST DR, APOPKA, FL 32712-2442
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Aug 29, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on File
Deed Sale	Aug 29, 2022 · Amount on File
Prior Sale	Jun 7, 2012 · Amount on File
Deed Document Number	2022528284
Prior Transfer Date	Feb 19, 2007
Prior Transfer Doc	0000223627
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2139 PALM CREST DR, APOPKA, FL 32712-2442
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 PALM CREST DR, APOPKA, FL 32712-2442

Mortgage

Document Number	0000686023
Date	Nov 28, 2018
Instrument	20180686023

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 29, 2022
Property Address	2139 PALM CREST DR, APOPKA, FL 32712-2442
Document Number	0000528284
Map Reference	MB 12 PG 10
Instrument Date	Aug 15, 2022
Instrument	20220528284
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	INNOVATIVE TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,542.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 BARCLAY AVE, ALTAMONTE SPRINGS, FL 32701-6229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2139 PALM CREST DR, APOPKA, FL 32712-2442

Mortgage

Document Number	0000528285
Date	Aug 29, 2022
Instrument	20220528285

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2139 PALM CREST DR, APOPKA, FL 32712-2442
Document Number	0000390333
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2139 PALM CREST DR APOPKA FL 327122442, APOPKA, FL 32712-2442

Mortgage

Document Number	0000390333
Date	Jul 22, 2020
Instrument	390333

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 21, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 2139 Palm Crest Dr was $7,198, up 4% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
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		$417,130 (+1.31%) Land $110,000 Building $307,130	$417,130 (-1.41%) Land $110,000 Building $307,130
2025	$7,198.00 (+3.96%) Homeowner's exemption	$411,717	$423,090 Land $110,000 Building $313,090
2024	$6,924.00 (+6.52%)
2023	$6,500.00 (+76.63%) Homeowner's exemption	$388,460 (+86.81%) Land $110,000 Building $278,460	$388,460 (+22.04%) Land $110,000 Building $278,460
2022	$3,680.00 Homeowner's exemption	$207,947	$318,304 Land $110,000 Building $208,304

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2139 Palm Crest Dr 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

Wildfire risk around 2139 Palm Crest Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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