2229 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2229 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,898 sqft · built 2019
Lot Size	0.465 acres (20,275 sqft)
Owner	2 Individual Names on File
Last Sale	$547,940 (Dec 2019)
Tax Bill	$7,739 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-680`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-680`
Alternative APNs	`282119891700680` `205294` `209568` `213583`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,898 sqft Living Area
Gross Area	5,069 sqft
1st Floor Area	3,003 sqft
Flooring	Ceramic Tile
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	20,275 sqft (0.465 acres)
Garage Type	Attached
Garage Area	599 sqft
Porch	Slab
Porch Area	374 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2229 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 68
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	68
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 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	2229 PANORAMIC CIR, APOPKA, FL 32703-9259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 16, 2020	Deed of Trust, Mortgage TRUSTCO BK
Dec 11, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2019 · Amount on File
Deed Sale	Dec 11, 2019 · Amount on File
Deed Document Number	2019775856
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2229 PANORAMIC CIR, APOPKA, FL 32703-9259
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2229 PANORAMIC CIR, APOPKA, FL 32703-9259

Mortgage

Document Number	0000561240
Date	Sep 13, 2022
Instrument	20220561240

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2229 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000495165
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1205 SUSANNAH BLVD ORLANDO FL 328033130, ORLANDO, FL 32803-3130

Mortgage

Document Number	0000495165
Date	Sep 22, 2020
Instrument	495165

Lender

Name	TRUSTCO BK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Amount	Amount on Record
Term	324 Months
Due	Sep 21, 2047

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 11, 2019
Property Address	2229 PANORAMIC CIR, APOPKA, FL 32703-9259
Document Number	0000775856
Map Reference	MB 96 PG 4
Instrument Date	Dec 9, 2019
Instrument	20190775856
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	M I TITLE AGENCY LTD L C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,836.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2229 PANORAMIC CIR, APOPKA, FL 32703-9259

Mortgage

Document Number	0000775857
Date	Dec 11, 2019
Instrument	20190775857

Lender

Name	TRUSTCO BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	313 Months
Due	Jan 1, 2046

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		$536,012 (+2.7%)	$733,240 (-1.25%) Land $100,000 Building $633,240
2025	$7,739.00 (+1.58%) Homeowner's exemption	$521,920 (+5.99%)	$742,500 (+11.55%) Land $100,000 Building $642,500
2024	$7,619.00 (+6.81%)
2023	$7,133.00 (+3.69%) Homeowner's exemption	$492,438 (+3%)	$665,613 (+18.92%) Land $100,000 Building $565,613
2022	$6,879.00 Homeowner's exemption	$478,095	$559,694 Land $85,000 Building $474,694

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 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

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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