2276 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2276 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,226 sqft · built 2019
Lot Size	0.228 acres (9,925 sqft)
Owner	2 Individual Names on Record
Last Sale	$432,200 (Jul 2019)
Tax Bill	$6,137 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-270`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-270`
Alternative APNs	`282119891700270` `205243` `209517` `213533`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,226 sqft Living Area
Gross Area	4,515 sqft
1st Floor Area	1,544 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	9,925 sqft (0.228 acres)
Garage Type	Attached
Garage Area	654 sqft
Porch	Slab
Porch Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2276 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 27
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	27
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

Source: Orange County records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit SPACE COAST CREDIT UNION
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 23, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Deed Document Number	2019450503
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	Oct 5, 2026
Property Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261
Document Number	0000550688
Instrument Date	Sep 16, 2026
Instrument	2026550688
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261

Mortgage

Document Number	0000550688,
Date	Oct 5, 2026
Instrument	2026550688

Lender

Name	SPACE COAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261

Mortgage

Document Number	0000137140
Date	Mar 1, 2022
Instrument	20220137140

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

July 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 23, 2019
Property Address	2276 PANORAMIC CIR, APOPKA, FL 32703-9261
Document Number	0000450503
Instrument Date	Jul 19, 2019
Instrument	450503
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 11, 2019
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	$3,025.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2276 PANORAMIC CIR APOPKA FL 32703, APOPKA, FL 32703

Mortgage

Document Number	450504
Date	Jul 23, 2019
Instrument	450504

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	Jul 22, 2049

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		$432,335 (+2.7%)	$593,090 (-1.2%) Land $100,000 Building $493,090
2025	$6,137.00 (+1.69%) Homeowner's exemption	$420,969 (+5.99%)	$600,290 (+11.55%) Land $100,000 Building $500,290
2024	$6,035.00 (+6.87%)
2023	$5,647.00 (+3.98%) Homeowner's exemption	$397,189 (+3%)	$538,137 (+18.86%) Land $100,000 Building $438,137
2022	$5,431.00 Homeowner's exemption	$385,620	$452,743 Land $85,000 Building $367,743

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
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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