2157 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2157 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,450 sqft · built 2019
Lot Size	0.421 acres (18,320 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,965 (Jun 2019)
Tax Bill	$8,638 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-780`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-780`
Alternative APNs	`282119891700780` `205306` `209580` `213595`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,450 sqft Living Area
Gross Area	6,365 sqft
1st Floor Area	2,122 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,320 sqft (0.421 acres)
Garage Type	Attached
Garage Area	688 sqft
Porch	Slab
Porch Area	716 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	2157 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU-ES-GT
Legal Description	VISTAS AT WATERS EDGE PHASE 1 96/4 LOT 78
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	78
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2157 PANORAMIC CIR, APOPKA, FL 32703-9216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
May 11, 2020	Deed of Trust, Mortgage RP FNDG
Jun 27, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Deed Document Number	2019396450
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2157 PANORAMIC CIR, APOPKA, FL 32703-9216
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2157 PANORAMIC CIR, APOPKA, FL 32703-9216

Mortgage

Document Number	20210644999
Date	Oct 21, 2021
Instrument	20210644999

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2157 PANORAMIC CIR, APOPKA, FL 32703-9216
Document Number	0000303302
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2157 PANORAMIC CIR APOPKA FL 327039216, APOPKA, FL 32703-9216

Mortgage

Document Number	0000303302
Date	May 29, 2020
Instrument	303302

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	LAKE MARY, FL 32746

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 27, 2019
Property Address	2157 PANORAMIC CIR, APOPKA, FL 32703-9216
Document Number	0000396450
Instrument Date	Jun 25, 2019
Instrument	396450
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 10, 2019
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,835.76
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	2157 PANORAMIC CIR APOPKA FL 32703, APOPKA, FL 32703

Mortgage

Document Number	396451
Date	Jun 27, 2019
Instrument	396451

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2049

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		$594,162 (+2.7%)	$896,650 (-1.5%) Land $100,000 Building $796,650
2025	$8,638.00 (+1.54%) Homeowner's exemption	$578,541 (+5.99%)	$910,290 (+11.16%) Land $100,000 Building $810,290
2024	$8,507.00 (+6.79%)
2023	$7,966.00 (+21.9%) Homeowner's exemption	$545,860 (+19.66%)	$818,894 (+31.12%) Land $100,000 Building $718,894
2022	$6,535.00 Homeowner's exemption	$456,175	$624,518 Land $85,000 Building $539,518

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 53% of the US · lower than 75% 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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