3952 Emerald Estates Cir, Apopka, FL 32703 Property Records

Seminole County property record for 3952 Emerald Estates Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,304 sqft · built 1999
Lot Size	0.267 acres (11,673 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Dec 2018)
Tax Bill	$5,096 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-21-29-5PA-0000-0050`

Property Details

APN / Parcel Number

Primary APN	`17-21-29-5PA-0000-0050`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,304 sqft Living Area
1st Floor Area	2,810 sqft
2nd Floor Area	494 sqft
Upper Floors Area	494 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	11,673 sqft
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	367 sqft
Patio Area	359 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3952 EMERALD ESTATES CIR
City	APOPKA
State	FL
Zip	32703-6731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 EMERALD ESTATES PB 54 PGS 78 THRU 82
Legal Range	29E
Legal Township	21S
Legal Section	17
Legal Subdivision	EMERALD ESTATES
Legal Lot Number	5
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3006
Census Tract	21708

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3952 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU
Dec 20, 2018	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Prior Sale	Dec 13, 2004
Deed Document Number	2018143310
Deed Book / Page	09270 / 0874
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3952 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0094720684
Instrument Date	Oct 23, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	APOLLO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3952 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	0094720684
Date	Nov 6, 2019
Book Page	009472/000684
Instrument	120591

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2034

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 20, 2018
Property Address	3952 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0092700874
Book / Page	09270 / 0874
Map Reference	MB 54 PG 78-82
Instrument Date	Dec 5, 2018
Instrument	2018143310
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6925 CUPOLA CT, 6925, GALENA, OH 43021-9075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3952 EMERALD ESTATES CIR, APOPKA, FL 32703-6731

Mortgage

Document Number	2018143311
Date	Dec 20, 2018
Instrument	2018143311

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Feb 23, 2044
Prepayment Penalty	00 Months

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3952 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089961728
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6295 CUPOLA CT GALENA OH 430219075, GALENA, OH 43021-9075

Mortgage

Document Number	0089961728
Date	Sep 29, 2017
Book Page	008996/001728
Instrument	97759

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2032

Tax Assessment & Valuation

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	$5,096.00 (+5.77%) Homeowner's exemption	$401,756 (+5.99%)	$584,451 (-1.46%) Land $115,000 Building $469,451
2023	$4,818.00 (+2.51%) Homeowner's exemption	$379,061 (+3%)	$593,125 (+16.85%) Land $85,000 Building $508,125
2022	$4,700.00 Homeowner's exemption	$368,020	$507,608 Land $63,500 Building $444,108

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 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.

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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