Seminole County property record for 3812 Emerald Estates Cir, Apopka, FL 32703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,444 sqft · built 2002 |
| Lot Size | 0.268 acres (11,690 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jul 2017) |
| Tax Bill | $4,494 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-21-29-5PA-0000-0450 |
| Primary APN | 17-21-29-5PA-0000-0450 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,444 sqft Living Area |
| 1st Floor Area | 3,059 sqft |
| 2nd Floor Area | 385 sqft |
| Upper Floors Area | 385 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 11,690 sqft |
| Garage Area | 637 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 480 sqft |
| Patio Area | 446 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 3812 EMERALD ESTATES CIR |
|---|---|
| City | APOPKA |
| State | FL |
| Zip | 32703-6710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 45 EMERALD ESTATES PB 54 PGS 78 THRU 82 |
| Legal Range | 29E |
| Legal Township | 21S |
| Legal Section | 17 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 45 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21708 |
3812 Emerald Estates Cir is owned and occupied by two individuals who bought it in July 2017.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3812 EMERALD ESTATES CIR, APOPKA, FL 32703-6710 |
| 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.
| Date | Document |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2017 · Amount on File |
| Deed Sale | Jul 24, 2017 · Amount on File |
| Prior Sale | Jun 4, 2002 · Amount on File |
| Deed Document Number | 2017074315 |
| Deed Book / Page | 008957 / 001277 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3812 EMERALD ESTATES CIR, APOPKA, FL 32703-6710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3812 EMERALD ESTATES CIR, APOPKA, FL 32703-6710 |
| Document Number | 0105170175 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | 10517/175 |
| Instrument | 2023091580 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 24, 2017 |
| Property Address | 3812 EMERALD ESTATES CIR, APOPKA, FL 32703-6710 |
| Document Number | 0089571277 |
| Book / Page | 008957 / 001277 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 74315 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3812 EMERALD ESTATES CIR APOPKA FL 327036710, APOPKA, FL 32703-6710 |
| Document Number | 89571279 |
|---|---|
| Date | Jul 24, 2017 |
| Book Page | 008957/001279 |
| Instrument | 74316 |
| Name | PROVIDENT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN BRUNO, CA 94066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2047 |
The 2025 property tax bill for 3812 Emerald Estates Cir was $4,494 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,494.00 Homeowner's exemption | $358,986 | $610,097 Land $115,000 Building $495,097 |
| 2023 | $4,281.00 (+2.54%) Homeowner's exemption | $338,708 (+3%) | $620,754 (+16.76%) Land $85,000 Building $535,754 |
| 2022 | $4,175.00 Homeowner's exemption | $328,843 | $531,635 Land $63,500 Building $468,135 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3812 Emerald Estates Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · 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 12 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 risk around 3812 Emerald Estates Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE BRANTLEY (CONSEC) serves 192 people · EPA ID FL3590685 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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