2223 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2223 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,771 sqft · built 2019
Lot Size	0.472 acres (20,568 sqft)
Owner	2 Individual Names on File
Last Sale	$443,600 (Dec 2019)
Tax Bill	$6,925 (2025)
Deeds & Mortgages	Jul 2026 Sale May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-690`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-690`
Alternative APNs	`282119891700690` `205295` `209569` `213584`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,771 sqft Living Area
Gross Area	3,519 sqft
1st Floor Area	2,771 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,568 sqft (0.472 acres)
Garage Type	Attached
Garage Area	512 sqft
Porch	Slab
Porch Area	236 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	2223 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9259
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 69
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	69
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

2223 Panoramic Cir is owned and occupied by two individuals who acquired it in July 2026.

Source: Orange County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed, Transfer SIMPLE TITLE, SIMPLIFILE
May 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 5, 2020	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK
Nov 26, 2019	Deed of Trust, Mortgage · VA Mortgage M&I FIN'L
Dec 3, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2019 · Amount on File
Deed Sale	Dec 3, 2019 · Amount on File
Deed Document Number	2019755450
Last Transfer Date	Jul 17, 2026
Transfer Doc	0000413533
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 24, 2026
Property Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000413533
Instrument Date	Jul 17, 2026
Instrument	2026413533
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259

Mortgage

Document Number	20210315510
Date	May 26, 2021
Instrument	20210315510

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000447633
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2223 PANORAMIC CIR APOPKA FL 327039259, APOPKA, FL 32703-9259

Mortgage

Document Number	0000447633
Date	Aug 25, 2020
Instrument	447633

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 24, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000798038
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2223 PANORAMIC CIR APOPKA FL 327039259, APOPKA, FL 32703-9259

Mortgage

Document Number	0000798038
Date	Dec 20, 2019
Instrument	798038

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2049

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 3, 2019
Property Address	2223 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000755450
Instrument Date	Nov 26, 2019
Instrument	755450
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 18, 2019
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,104.92
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2223 PANORAMIC CIR APOPKA FL 327039259, APOPKA, FL 32703-9259

Mortgage

Document Number	755451
Date	Dec 3, 2019
Instrument	755451

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2223 Panoramic Cir was $6,925, up 1.6% from the year before.

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		$485,313 (+3.12%)	$562,240 (-0.82%) Land $100,000 Building $462,240
2025	$6,925.00 (+1.63%) Homeowner's exemption	$470,607	$566,890 Land $100,000 Building $466,890
2024	$6,814.00 (+6.84%)
2023	$6,378.00 (+3.83%) Homeowner's exemption	$444,023 (+3%)	$511,419 (+18.63%) Land $100,000 Building $411,419
2022	$6,143.00 Homeowner's exemption	$431,090 Land $85,000 Building $346,090	$431,090 Land $85,000 Building $346,090

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2223 Panoramic Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 2223 Panoramic Cir is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 42% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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