2781 Sand Oak Loop, Apopka, FL 32712 Property Records

Orange County property record for 2781 Sand Oak Loop, Apopka, FL 32712 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,538 sqft · built 2017
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2025)
Tax Bill	$7,250 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`18-20-28-6100-01-970`

Property Details

APN / Parcel Number

Primary APN	`18-20-28-6100-01-970`
Alternative APNs	`282018610001970` `173250` `176569` `180141`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,538 sqft Living Area
Gross Area	3,820 sqft
1st Floor Area	2,538 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,200 sqft (0.372 acres)
Garage Type	Attached
Garage Area	789 sqft
Porch	Slab
Porch Area	493 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2781 SAND OAK LOOP
City	APOPKA
State	FL
Zip	32712-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK RIDGE PHASE 2 87/133 LOT 197
Legal Range	28E
Legal Township	20S
Legal Section	18
Legal Subdivision	OAK RIDGE PH 2
Legal Phase	2
Legal Tract	6100
Legal Block	1
Legal Lot Number	197
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1036
Census Tract	17813

Owner

Source: Orange County records · APN 18-20-28-6100-01-970

Assessment roll updated April 30, 2026 · Last verified July 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 File
Mailing Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Dec 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage KURT E CHANA
Oct 17, 2025	Warranty Deed, Transfer · Conventional Mortgage LUMINATE BANK
Apr 15, 2025	Warranty Deed, Transfer SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC
Jan 26, 2024	Intrafamily Transfer, Transfer
Dec 14, 2022	Warranty Deed, Transfer · Conventional Mortgage KNOCK LENDING LLC
Oct 13, 2017	Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 17, 2025 · Amount on Record
Deed Sale	Oct 17, 2025 · Amount on Record
Prior Sale	Apr 15, 2025 · Amount on Record
Deed Document Number	2025604039
Prior Transfer Date	Jan 03, 2024
Prior Transfer Doc	0000052681
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Transaction Type	Mortgage
Record Updated	Dec 01, 2025
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Mortgage

Document Number	0000745798
Date	Dec 07, 2021
Instrument	20210745798

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 01, 2042

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Transaction Type	Mortgage
Record Updated	Dec 01, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Mortgage

Document Number	0000714700
Date	Dec 12, 2023
Instrument	20230714700

Lender

Name	KURT E CHANA
Type	Private Party
Address	188 S SHADOWBAY BLVD, LONGWOOD, FL 32779

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jan 01, 2029

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 17, 2025
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Document Number	0000604039
Map Reference	MB 87 PG 133-135
Instrument Date	Oct 15, 2025
Instrument	20250604039
Transaction Type	Transfer
Record Updated	Dec 09, 2025
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2532 GRAND CENTRAL PKWY APT 8, 8, ORLANDO, FL 32839-5058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Mortgage

Document Number	0000604040
Date	Oct 17, 2025
Instrument	20250604040

Lender

Name	LUMINATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 15, 2025
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Document Number	0000220265
Map Reference	MB 87 PG 133-135
Instrument Date	Apr 11, 2025
Instrument	20250220265
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	SOUTHERN TITLE, SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Tax	$3,780.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2424 GRAND CENTRAL PKWY APT 16, 16, ORLANDO, FL 32839-5048

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE FL
Recording Date	Jan 26, 2024
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Document Number	0000052681
Map Reference	MB 87 PG 133-135
Instrument Date	Jan 03, 2024
Instrument	20240052681
Transaction Type	Transfer
Record Updated	Nov 27, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 14, 2022
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Document Number	0000751155
Map Reference	MB 87 PG 133-135
Instrument Date	Dec 12, 2022
Instrument	20220751155
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Mortgage

Document Number	0000751156
Date	Dec 14, 2022
Instrument	20220751156

Lender

Name	KNOCK LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 13, 2017
Property Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422
Document Number	0000561050
Map Reference	MB 87 PG 133-135
Instrument Date	Oct 06, 2017
Instrument	20170561050
Transaction Type	Transfer
Record Updated	Jan 03, 2022
Title Company	CALATLANTIC TITIE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,189.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2781 SAND OAK LOOP, APOPKA, FL 32712-1422

Mortgage

Document Number	0000561051
Date	Oct 13, 2017
Instrument	20170561051

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Orange County records · Assessment roll updated April 30, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$473,910 (-3.69%) Land $110,000 Building $363,910	$473,910 (-4.56%) Land $110,000 Building $363,910
2025	$7,250.00 (+1.58%) Homeowner's exemption	$492,047 (+9.28%)	$496,560 (+10.28%) Land $110,000 Building $386,560
2024	$7,137.00 (+0.78%)
2023	$7,082.00 (+78.66%) Homeowner's exemption	$450,260 (+54.22%) Land $110,000 Building $340,260	$450,260 (+24.86%) Land $110,000 Building $340,260
2022	$3,964.00 Homeowner's exemption	$291,965	$360,607 Land $75,000 Building $285,607

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Orange County (12095C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120950178131, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force

Wildfire

Wildfire Risk	Moderate above 44% of the US · above 14% of Florida
Wildfire Likelihood	About 1 in 1,020 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 84 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA, Spectrum, Metronet Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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