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2186 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2186 Panoramic Cir, Apopka, FL 32703

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,003 sqft · built 2019
Lot Size0.216 acres (9,414 sqft)
OwnerIndividual Name on Record
Last Sale$420,700 (Sep 2019)
Tax Bill$5,710 (2025)
Deeds & MortgagesFeb 2024 Document
Sep 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN19-21-28-8917-00-170

Property Details

APN / Parcel Number

Primary APN19-21-28-8917-00-170
Alternative APNs
  • 282119891700170
  • 205232
  • 209506
  • 213520

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area3,003 sqft Living Area
Gross Area3,984 sqft
1st Floor Area3,003 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,414 sqft (0.216 acres)
Garage TypeAttached
Garage Area599 sqft
PorchSlab
Porch Area382 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Street Address2186 PANORAMIC CIR
CityAPOPKA
StateFL
Zip32703-9242
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMU-ES-GT
Legal DescriptionVISTAS AT WATERS EDGE PHASE 1 96/4 LOT 17
Legal Range28E
Legal Township21S
Legal Section19
Legal SubdivisionVISTAS AT WATERS EDGE PH 1
Legal Phase1
Legal Lot Number17
JurisdictionORANGE FL
Township / Civil DivisionAPOPKA
Census Block Group1
Census Block1089
Census Tract17901

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 RecordIndividual Name on Record
Mailing Address2186 PANORAMIC CIR, APOPKA, FL 32703-9242
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Feb 5, 2024
ATTORNEY ONLY, ATTORNEY
Sep 23, 2019Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
M/I FINANCIAL LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 23, 2019 · Amount on Record
Deed SaleSep 23, 2019 · Amount on Record
Deed Document Number2019589542
Last Transfer DateDec 16, 2022
Transfer Doc0000068661
Record UpdatedSep 20, 2026

February 2024:

JurisdictionORANGE FL
Recording DateFeb 5, 2024
Property Address2186 PANORAMIC CIR, APOPKA, FL 32703-9242
Document Number0000068661
Map ReferenceMB 96 PG 4
Instrument DateDec 16, 2022
Instrument20240068661
Record UpdatedFeb 15, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2186 PANORAMIC CIR, APOPKA, FL 32703-9242

September 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionORANGE FL
Recording DateSep 23, 2019
Property Address2186 PANORAMIC CIR, APOPKA, FL 32703-9242
Document Number0000589542
Map ReferenceMB 96 PG 4
Instrument DateSep 19, 2019
Instrument20190589542
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 3, 2022
Title CompanyMI TITLE AGENCY LTD L C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,944.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

NameVerified Name
Address2186 PANORAMIC CIR, APOPKA, FL 32703-9242

Mortgage

Document Number0000589543
DateSep 23, 2019
Instrument20190589543
Lender
NameM/I FINANCIAL LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
MunicipalityApopka City
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$404,712 (+2.7%)$592,040 (-1.2%) Land $100,000 Building $492,040
2025$5,710.00 (+1.73%) Homeowner's exemption$394,072 (+5.99%)$599,230 (+11.08%) Land $100,000 Building $499,230
2024$5,613.00 (+6.89%)
2023$5,251.00 (+4.08%) Homeowner's exemption$371,812 (+3%)$539,472 (+18.86%) Land $100,000 Building $439,472
2022$5,045.00 Homeowner's exemption$360,983$453,857 Land $85,000 Building $368,857

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 19 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims1 (2014)
Most Recent ClaimOct 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 RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemAPOPKA, CITY OF (5 WTPS)
serves 71,917 people · EPA ID FL3480200
Water SourceGroundwater
Last State InspectionApr 2023
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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