3948 Emerald Estates Cir, Apopka, FL 32703 Property Records

Seminole County property record for 3948 Emerald Estates Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,549 sqft · built 1999
Lot Size	0.27 acres (11,797 sqft)
Owner	2 Company Names on File
Last Sale	$485,000 (May 2019)
Tax Bill	$8,372 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-21-29-5PA-0000-0060`

Property Details

APN / Parcel Number

Primary APN	`17-21-29-5PA-0000-0060`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	18 Plumbing Fixtures
Stories	2 Stories
Building Area	3,549 sqft Living Area
1st Floor Area	2,348 sqft
2nd Floor Area	1,156 sqft
Upper Floors Area	1,156 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	11,797 sqft
Garage Area	692 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	473 sqft
Patio Area	410 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	3948 EMERALD ESTATES CIR
City	APOPKA
State	FL
Zip	32703-6731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 EMERALD ESTATES PB 54 PGS 78 THRU 82
Legal Range	29E
Legal Township	21S
Legal Section	17
Legal Subdivision	EMERALD ESTATES
Legal Lot Number	6
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3006
Census Tract	21708

Owner

3948 Emerald Estates Cir is owned by a company that bought it in May 2019 and is owner-occupied.

Source: Seminole County records, as of December 5, 2025

Owner of Record	2 Company Names on File
Mailing Address	3948 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Jun 3, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Prior Sale	Dec 2, 2010 · Amount on File
Deed Document Number	2019056958
Deed Book / Page	09363 / 1418
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3948 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096661806
Date	Aug 4, 2020
Book Page	9666/1806
Instrument	2020083208

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 30, 2019
Property Address	3948 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0093631418
Book / Page	009363 / 001418
Instrument Date	May 23, 2019
Instrument	56958
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3948 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	93631419
Date	May 30, 2019
Book Page	009363/001419
Instrument	56959

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 29, 2049

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3948 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089360542
Instrument Date	Jun 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3948 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	0089360542
Date	Jun 20, 2017
Book Page	008936/000542
Instrument	61570

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3948 Emerald Estates Cir was $8,372.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,372.00	$612,896	$612,896 Land $115,000 Building $497,896
2023	$7,876.00 (+15.28%)	$624,727 (+26.56%)	$624,727 (+16.94%) Land $85,000 Building $539,727
2022	$6,832.00	$493,618	$534,214 Land $63,500 Building $470,714

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

Flood

FEMA maps place 3948 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

Wildfire risk around 3948 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 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.

Drinking Water

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

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 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.

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