2405 Panoramic Cir, Apopka, FL 32703 Property Records

Orange County property record for 2405 Panoramic Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,315 sqft · built 2019
Lot Size	0.194 acres (8,452 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Feb 2025)
Tax Bill	$5,575 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-21-28-8917-00-450`

Property Details

APN / Parcel Number

Primary APN	`19-21-28-8917-00-450`
Alternative APNs	`282119891700450` `205267` `209540` `213555`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,315 sqft Living Area
Gross Area	3,260 sqft
1st Floor Area	2,315 sqft
Flooring	Ceramic Tile
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	8,452 sqft (0.194 acres)
Garage Type	Attached
Garage Area	619 sqft
Porch	Finished/Open Porch
Porch Area	326 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2405 PANORAMIC CIR
City	APOPKA
State	FL
Zip	32703-9213
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 45
Legal Range	28E
Legal Township	21S
Legal Section	19
Legal Subdivision	VISTAS AT WATERS EDGE PH 1
Legal Phase	1
Legal Lot Number	45
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2405 PANORAMIC CIR, APOPKA, FL 32703-9213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2020	Deed of Trust, Mortgage · Conventional with PMI CHRISTENSEN FIN'L
May 7, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2025 · Amount on File
Deed Sale	Feb 11, 2025 · Amount on File
Prior Sale	May 7, 2019 · Amount on File
Deed Document Number	202582006
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2405 PANORAMIC CIR, APOPKA, FL 32703-9213
Document Number	0000397288
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	FIRST FL TITLE AND TRUST, FIRST FL TITLE & TRUST

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2405 PANORAMIC CIR APOPKA FL 327039213, APOPKA, FL 32703-9213

Mortgage

Document Number	0000397288
Date	Jul 27, 2020
Instrument	397288

Lender

Name	CHRISTENSEN FIN'L
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2050

May 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ORANGE FL
Recording Date	May 7, 2019
Property Address	2405 PANORAMIC CIR, APOPKA, FL 32703-9213
Document Number	0000282327
Instrument Date	May 3, 2019
Instrument	282327
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 on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,604.14
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	2405 PANORAMIC CIR APOPKA FL 32703, APOPKA, FL 32703

Mortgage

Document Number	282328
Date	May 7, 2019
Instrument	282328

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 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		$503,400 (+30.22%) Land $100,000 Building $403,400	$503,400 (-1.14%) Land $100,000 Building $403,400
2025	$5,575.00 (+1.68%) Homeowner's exemption	$386,591 (+5.99%)	$509,230 (+11.49%) Land $100,000 Building $409,230
2024	$5,483.00 (+6.9%)
2023	$5,129.00 (+3.87%) Homeowner's exemption	$364,753 (+3%)	$456,737 (+18.82%) Land $100,000 Building $356,737
2022	$4,938.00 Homeowner's exemption	$354,129	$384,394 Land $85,000 Building $299,394

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 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

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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