3960 Emerald Estates Cir, Apopka, FL 32703 Property Records

Seminole County property record for 3960 Emerald Estates Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,220 sqft · built 2001
Lot Size	0.268 acres (11,687 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jul 2017)
Tax Bill	$4,767 (2025)
Deeds & Mortgages	Dec 2018 Sale Sep 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-21-29-5PA-0000-0030`

Property Details

APN / Parcel Number

Primary APN	`17-21-29-5PA-0000-0030`
Alternative APN	`2129175PA00000030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	3,220 sqft Living Area
Gross Area	3,771 sqft
1st Floor Area	2,802 sqft
Upper Floors Area	418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	11,687 sqft (0.268 acres)
Garage Type	Attached
Garage Area	551 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	389 sqft
Patio Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	3960 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 3 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	3
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3006
Census Tract	21708

Owner

3960 Emerald Estates Cir is owned and occupied by two individuals who acquired it in March 2025.

Source: Seminole County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit IBERIABANK
Aug 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage STEVEN B ZLATKISS
Aug 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROBERT ZLATKISS
Jul 24, 2017	Warranty Deed, Transfer CENTRAL FLORIDA TITLE COMPANY, CENTRAL FL TITLE CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on File
Deed Sale	Jul 24, 2017 · Amount on File
Prior Sale	Jan 17, 2002 · Amount on File
Deed Document Number	201774496
Last Transfer Date	Mar 19, 2025
Transfer Doc	0107940240
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 10, 2018
Property Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0092630512
Book / Page	009263 / 000512
Instrument Date	Nov 19, 2018
Instrument	138713
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3960 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089990351
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	0089990351
Date	Oct 3, 2017
Book Page	008999/000351
Instrument	99177

Lender

Name	IBERIABANK
Type	Bank
Address	APOPKA, FL 32712

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2047

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089850017
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	0089850017
Date	Sep 6, 2017
Book Page	008985/000017
Instrument	90422

Lender

Name	STEVEN B ZLATKISS
Address	3911 ORANGE LAKE DR, ORLANDO, FL 32817-1637

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	276 Months
Due	Sep 5, 2040

Interest

Rate	5%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089850022
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Mortgage

Document Number	0089850022
Date	Sep 6, 2017
Book Page	008985/000022
Instrument	90423

Lender

Name	ROBERT ZLATKISS
Address	3911 ORANGE LAKE DR, ORLANDO, FL 32817-1637

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 24, 2017
Property Address	3960 EMERALD ESTATES CIR, APOPKA, FL 32703-6731
Document Number	0089580081
Book / Page	008958 / 000081
Instrument Date	Jul 20, 2017
Instrument	74496
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	CENTRAL FLORIDA TITLE COMPANY, CENTRAL FL TITLE CENTER

Transaction

Amount	Amount on Record
Tax	$2,800.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3960 EMERALD ESTATES CIR APOPKA FL 327036731, APOPKA, FL 32703-6731

Tax Assessment & Valuation

The 2025 property tax bill for 3960 Emerald Estates Cir was $4,767.

Source: Seminole County assessment roll, as of December 29, 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	$4,767.00	$367,110	$570,717 Land $115,000 Building $455,717
2023	$4,383.00 (+2.53%) Homeowner's exemption	$346,373 (+3%)	$577,815 (+16.87%) Land $85,000 Building $492,815
2022	$4,275.00 Homeowner's exemption	$336,284	$494,415 Land $63,500 Building $430,915

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

Flood

FEMA maps place 3960 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 3960 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.

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 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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