2386 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2386 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,233 sqft · built 2019
Lot Size	0.183 acres (7,960 sqft)
Owner	2 Individual Names on File
Last Sale	$488,190 (Oct 2019)
Tax Bill	$6,654 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-370`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-370`
Alternative APNs	`282119891700370` `205256` `209531` `213546`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,233 sqft Living Area
Gross Area	4,725 sqft
1st Floor Area	1,544 sqft
Flooring	Wood
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	7,960 sqft (0.183 acres)
Garage Type	Attached
Garage Area	654 sqft
Porch	Slab
Porch Area	386 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2386 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 37
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	37
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1089
Census Tract	17901

Owner

2386 Panoramic Cir is owned and occupied by two individuals who acquired it in June 2020.

Source: Orange County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2386 PANORAMIC CIR, APOPKA, FL 32703-9256
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
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2020	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Oct 2, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage M&I FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2019 · Amount on File
Deed Sale	Oct 2, 2019 · Amount on File
Deed Document Number	2019614781
Last Transfer Date	Jun 16, 2020
Transfer Doc	0000364208
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2386 PANORAMIC CIR, APOPKA, FL 32703-9256
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2386 PANORAMIC CIR, APOPKA, FL 32703-9256

Mortgage

Document Number	20210198014
Date	Apr 6, 2021
Instrument	20210198014

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 7, 2020
Property Address	2386 PANORAMIC CIR, APOPKA, FL 32703-9256
Document Number	0000364208
Instrument Date	Jun 16, 2020
Instrument	364208
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2386 PANORAMIC CIR APOPKA FL 327039256, APOPKA, FL 32703-9256

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 2, 2019
Property Address	2386 PANORAMIC CIR, APOPKA, FL 32703-9256
Document Number	0000614781
Instrument Date	Sep 26, 2019
Instrument	614781
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 18, 2019
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	$3,417.33
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	2386 PANORAMIC CIR APOPKA FL 327039256, APOPKA, FL 32703-9256

Mortgage

Document Number	614782
Date	Oct 2, 2019
Instrument	614782

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 2386 Panoramic Cir was $6,654, up 1.6% 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		$465,761 (+2.7%)	$647,690 (-1.22%) Land $100,000 Building $547,690
2025	$6,654.00 (+1.65%) Homeowner's exemption	$453,516	$655,690 Land $100,000 Building $555,690
2024	$6,546.00 (+6.86%)
2023	$6,126.00 (+3.88%) Homeowner's exemption	$427,898 (+3%)	$581,930 (+18.89%) Land $100,000 Building $481,930
2022	$5,897.00 Homeowner's exemption	$415,435	$489,462 Land $85,000 Building $404,462

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

Flood

FEMA maps place 2386 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 2386 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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