2312 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2312 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,228 sqft · built 2019
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$800,000 (Jul 2025)
Tax Bill	$10,344 (2025)
Deeds & Mortgages	Feb 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-330`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-330`
Alternative APNs	`282119891700330` `205251` `209525` `213541`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,228 sqft Living Area
Gross Area	4,523 sqft
1st Floor Area	1,544 sqft
Flooring	Carpet
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	7,501 sqft (0.172 acres)
Garage Type	Attached
Garage Area	654 sqft
Porch	Finished/Open Porch
Porch Area	202 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	2312 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9256
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 33
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	33
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

Source: Orange County records, as of June 26, 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 Record
Mailing Address	2312 PANORAMIC CIR, APOPKA, FL 32703-9256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2020	Deed of Trust, Mortgage · VA Mortgage FLAT BRANCH HOME LOANS INC
May 20, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on Record
Deed Sale	Jul 17, 2025 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Document Number	2025413393
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2312 PANORAMIC CIR, APOPKA, FL 32703-9256
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20200102866
Date	Feb 19, 2020
Instrument	20200102866

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	May 20, 2019
Property Address	2312 PANORAMIC CIR, APOPKA, FL 32703-9256
Document Number	0000309625
Instrument Date	May 17, 2019
Instrument	309625
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 10, 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	$3,120.60
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	2312 PANORAMIC CIR APOPKA FL 32703, APOPKA, FL 32703

Mortgage

Document Number	309626
Date	May 20, 2019
Instrument	309626

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 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		$637,290 (-1.31%) Land $100,000 Building $537,290	$637,290 (-1.31%) Land $100,000 Building $537,290
2025	$10,344.00 (+6.3%)	$645,720 (+11.8%) Land $100,000 Building $545,720	$645,720 (+11.8%) Land $100,000 Building $545,720
2024	$9,731.00 (+12.1%)
2023	$8,681.00 (+13.45%)	$577,562 (+17.62%) Land $100,000 Building $477,562	$577,562 (+17.62%) Land $100,000 Building $477,562
2022	$7,652.00	$491,032 Land $85,000 Building $406,032	$491,032 Land $85,000 Building $406,032

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 46% of the US · lower than 82% 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 62 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: CenturyLink, Verizon.

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