2345 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2345 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,796 sqft · built 2020
Lot Size	0.294 acres (12,817 sqft)
Owner	2 Individual Names on File
Last Sale	$718,000 (Aug 2021)
Tax Bill	$10,013 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-550`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-550`
Alternative APNs	`282119891700550` `205278` `209551` `213567`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,796 sqft Living Area
Gross Area	4,965 sqft
1st Floor Area	3,003 sqft
Flooring	Carpet
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	12,817 sqft (0.294 acres)
Garage Type	Attached
Garage Area	599 sqft
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2345 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9258
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 55
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	55
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

2345 Panoramic Cir is owned and occupied by two individuals who bought it in August 2021.

Source: Orange County records, as of May 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2345 PANORAMIC CIR, APOPKA, FL 32703-9258
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Jun 30, 2020	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Jun 30, 2020 · Amount on File
Deed Document Number	2021480161
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 6, 2021
Property Address	2345 PANORAMIC CIR, APOPKA, FL 32703-9258
Document Number	0000480161
Map Reference	MB 96 PG 4-12
Instrument Date	Jul 30, 2021
Instrument	20210480161
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,026.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8416 IVEYWOOD AVE, 8416, ORLANDO, FL 32810-1818

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 PANORAMIC CIR, APOPKA, FL 32703-9258

Mortgage

Document Number	0000480162
Date	Aug 6, 2021
Instrument	20210480162

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

June 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Jun 30, 2020
Property Address	2345 PANORAMIC CIR, APOPKA, FL 32703-9258
Document Number	0000356133
Instrument Date	Jun 25, 2020
Instrument	356133
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 16, 2020
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	$3,487.00
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	2345 PANORAMIC CIR APOPKA FL 327039258, APOPKA, FL 32703-9258

Mortgage

Document Number	356134
Date	Jun 30, 2020
Instrument	356134

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2345 Panoramic Cir was $10,013, up 1.5% 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		$683,069 (+2.7%)	$799,530 (-1.25%) Land $100,000 Building $699,530
2025	$10,013.00 (+1.5%) Homeowner's exemption	$665,111	$809,680 Land $100,000 Building $709,680
2024	$9,865.00 (+6.76%)
2023	$9,240.00 (+3.45%) Homeowner's exemption	$627,540 (+3%)	$724,688 (+18.95%) Land $100,000 Building $624,688
2022	$8,932.00 Homeowner's exemption	$609,262 Land $85,000 Building $524,262	$609,262 Land $85,000 Building $524,262

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

Flood

FEMA maps place 2345 Panoramic Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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 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 2345 Panoramic Cir is moderate, ranking above 46% of the US, with a 0.1% annual chance of 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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