2234 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2234 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,019 sqft · built 2020
Lot Size	0.235 acres (10,248 sqft)
Owner	Individual Name on Record
Last Sale	$750,000 (Jun 2024)
Tax Bill	$7,889 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-240`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-240`
Alternative APNs	`282119891700240` `205240` `209514` `213529`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,019 sqft Living Area
Gross Area	3,943 sqft
1st Floor Area	3,019 sqft
Flooring	Wood
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	10,248 sqft (0.235 acres)
Garage Type	Attached
Garage Area	580 sqft
Porch	Florida Room
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2234 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9261
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 24
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	24
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

Source: Orange County records, as of April 30, 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	2234 PANORAMIC CIR, APOPKA, FL 32703-9261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Mar 16, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage MTT FIN'L LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2024 · Amount on Record
Deed Sale	Jun 11, 2024 · Amount on Record
Prior Sale	Mar 16, 2020 · Amount on Record
Deed Document Number	2024335981
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2234 PANORAMIC CIR, APOPKA, FL 32703-9261
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2234 PANORAMIC CIR, APOPKA, FL 32703-9261

Mortgage

Document Number	0000275870
Date	May 16, 2023
Instrument	20230275870

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2234 PANORAMIC CIR, APOPKA, FL 32703-9261
Transaction Type	Mortgage
Record Updated	Jan 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2234 PANORAMIC CIR, APOPKA, FL 32703-9261

Mortgage

Document Number	0000666133
Date	Oct 29, 2021
Instrument	20210666133

Lender

Name	FILO MORTGAGE LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

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

March 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 16, 2020
Property Address	2234 PANORAMIC CIR, APOPKA, FL 32703-9261
Document Number	0000168003
Instrument Date	Mar 13, 2020
Instrument	168003
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 24, 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	$3,259.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2234 PANORAMIC CIR APOPKA FL 327039261, APOPKA, FL 32703-9261

Mortgage

Document Number	168004
Date	Mar 16, 2020
Instrument	168004

Lender

Name	MTT FIN'L LLC
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 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		$545,688 (+2.7%)	$647,580 (-1.3%) Land $100,000 Building $547,580
2025	$7,889.00 (+15.32%) Homeowner's exemption	$531,342 (+19.22%)	$656,110 (+10.57%) Land $100,000 Building $556,110
2024	$6,841.00 (+7.02%)
2023	$6,392.00 (+11.9%) Homeowner's exemption	$445,684 (+10.43%)	$593,365 (+25.21%) Land $100,000 Building $493,365
2022	$5,712.00 Homeowner's exemption	$403,577	$473,885 Land $85,000 Building $388,885

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 55% of the US · lower than 73% 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 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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