2198 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2198 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,316 sqft · built 2020
Lot Size	0.205 acres (8,913 sqft)
Owner	Individual Name on Record
Tax Bill	$6,525 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-190`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-190`
Alternative APNs	`282119891700190` `205234` `209508` `213522`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,316 sqft Living Area
Gross Area	3,316 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	8,913 sqft (0.205 acres)
Garage Type	Attached
Garage Area	618 sqft
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2198 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9242
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 19
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	19
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	Individual Name on Record
Mailing Address	2198 PANORAMIC CIR, APOPKA, FL 32703-9242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
May 12, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Jun 10, 2026
Property Address	2198 PANORAMIC CIR, APOPKA, FL 32703-9242
Document Number	0000323910
Instrument Date	May 6, 2026
Instrument	2026323910
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 PANORAMIC CIR, APOPKA, FL 32703-9242
Investor	Possibly a Property Investor

Mortgage

Document Number	0000323910,
Date	Jun 10, 2026
Instrument	2026323910

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	May 12, 2020
Property Address	2198 PANORAMIC CIR, APOPKA, FL 32703-9242
Document Number	0000278140
Instrument Date	Mar 30, 2020
Instrument	278140
Transaction Type	Subdivision Related Transfer
Record Updated	May 27, 2020
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	$3,065.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 PANCRAMIC CIR APOPKA FL 32703, APOPKA, FL 32703

Mortgage

Document Number	278141
Date	May 12, 2020
Instrument	278141

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	May 11, 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		$458,470 (+2.7%)	$520,350 (-1.27%) Land $100,000 Building $420,350
2025	$6,525.00 (+1.62%) Homeowner's exemption	$446,417 (+5.99%)	$527,050 (+9.84%) Land $100,000 Building $427,050
2024	$6,421.00 (+6.84%)
2023	$6,010.00 (+3.69%) Homeowner's exemption	$421,200 (+3%)	$479,817 (+17.33%) Land $100,000 Building $379,817
2022	$5,796.00 Homeowner's exemption	$408,932 Land $85,000 Building $323,932	$408,932 Land $85,000 Building $323,932

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 500 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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