Seminole County property record for 3920 Emerald Estates Cir, Apopka, FL 32703
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,530 sqft · built 1999 |
| Lot Size | 0.311 acres (13,530 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Oct 2018) |
| Tax Bill | $4,572 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-21-29-5PA-0000-0120 |
| Primary APN | 17-21-29-5PA-0000-0120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,530 sqft Living Area |
| Gross Area | 4,054 sqft |
| 1st Floor Area | 2,981 sqft |
| Upper Floors Area | 308 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 13,530 sqft (0.311 acres) |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 500 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3920 EMERALD ESTATES CIR |
|---|---|
| City | APOPKA |
| State | FL |
| Zip | 32703-6731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | LOT 12 EMERALD ESTATES PB 54 PGS 78 THRU 82 |
| Legal Range | 29E |
| Legal Township | 21S |
| Legal Section | 17 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Tract | 5PA |
| Legal Lot Number | 12 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | CASSELBERRY-ALTAMONTE SPRINGS |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 21708 |
Source: Seminole County records, as of December 29, 2025
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 Record |
|---|---|
| Mailing Address | 3920 EMERALD ESTATES CIR, APOPKA, FL 32703-6731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Oct 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2018 · Amount on Record |
| Deed Sale | Oct 4, 2018 · Amount on Record |
| Prior Sale | Sep 23, 2015 · Amount on Record |
| Deed Document Number | 2018113609 |
| Deed Book / Page | 9223 / 1236 |
| Prior Transfer Date | Apr 1, 2006 |
| Prior Transfer Doc | 0062410552 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3920 EMERALD ESTATES CIR, APOPKA, FL 32703-6731 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3920 EMERALD ESTATES CIR, APOPKA, FL 32703-6731 |
| Document Number | 0097321716 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 9732/1716 |
| Instrument | 2020116250 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 4, 2018 |
| Property Address | 3920 EMERALD ESTATES CIR, APOPKA, FL 32703-6731 |
| Document Number | 0092231236 |
| Book / Page | 09223 / 1236 |
| Map Reference | MB54 PG78-82 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 2018113609 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3920 EMERALD ESTATES CIR, APOPKA, FL 32703-6731 |
| Document Number | 2018113610 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 2018113610 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2048 |
Source: Seminole County assessment roll, as of December 29, 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 | $4,572.00 (+8.78%) Homeowner's exemption | $352,795 (+5.99%) | $550,173 (-1.49%) Land $115,000 Building $435,173 |
| 2023 | $4,203.00 (+2.54%) Homeowner's exemption | $332,866 (+3%) | $558,514 (+17.94%) Land $85,000 Building $473,514 |
| 2022 | $4,099.00 Homeowner's exemption | $323,171 | $473,560 Land $63,500 Building $410,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% 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 231 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| WOW Internet, Cable & Phone Fiber | 5,000 / 5,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures