2923 Junction Rd, Zellwood, FL 32798 Property Records

Orange County property record for 2923 Junction Rd, Zellwood, FL 32798

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,074 sqft · built 1974
Lot Size	0.605 acres (26,373 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Apr 2013)
Tax Bill	$400 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-20-27-7205-00-220`

Property Details

APN / Parcel Number

Primary APN	`26-20-27-7205-00-220`
Alternative APNs	`272026720500220` `108012` `108664` `109949`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,074 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,752 sqft
Utility Area	88 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1976
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,373 sqft (0.605 acres)
Porch	Slab
Porch Area	512 sqft
Storage Building	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2923 JUNCTION RD
City	ZELLWOOD
State	FL
Zip	32798-5494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-CE
Legal Description	PONKAN TERRACE 5/11 LOT 22
Legal Range	27E
Legal Township	20S
Legal Section	26
Legal Subdivision	PONKAN TERRACE
Legal Tract	7205
Legal Lot Number	22
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	3
Census Block	3003
Census Tract	17902

Owner

Source: Orange County records, as of September 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	2 Individual Names on File
Mailing Address	2923 JUNCTION RD, ZELLWOOD, FL 32798-5494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2013 · Amount on File
Deed Sale	Apr 30, 2013 · Amount on File
Prior Sale	May 30, 2003 · Amount on File
Deed Document Number	2013229314
Deed Book / Page	10561 / 5657
Prior Transfer Date	Feb 6, 2003
Prior Transfer Doc	0000099552
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	2923 JUNCTION RD, ZELLWOOD, FL 32798-5494
Document Number	0000442798
Instrument Date	Jul 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2923 JUNCTION RD ZELLWOOD FL 327985494, ZELLWOOD, FL 32798-5494

Mortgage

Document Number	0000442798
Date	Jul 18, 2019
Instrument	442798

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 17, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
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		$120,088 (+2.7%)	$253,960 (-2.47%) Land $85,000 Building $168,960
2025	$400.00 (+33.33%) Homeowner's exemption	$116,931 (+5.99%)	$260,400 (+17.14%) Land $85,000 Building $175,400
2024	$300.00 (+3.45%)
2023	$290.00 (+11.54%) Homeowner's exemption	$110,326 (+3%)	$222,304 (+23.46%) Land $65,000 Building $157,304
2022	$260.00 Homeowner's exemption	$107,113	$180,055 Land $45,000 Building $135,055

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	ZELLWOOD WATER USERS INC. (2 WPS) private · serves 1,320 people · EPA ID FL3481507
Water Source	Groundwater
Last State Inspection	Nov 2023
Also Mapped Here	OCUD/SOUTHERN WATER SYS (5 WPS)
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20