441 Summerset Dr, Apopka, FL 32712 Property Records

Orange County property record for 441 Summerset Dr, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1983
Lot Size	0.25 acres (10,883 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,500 (Mar 2015)
Tax Bill	$1,242 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-21-28-8402-00-700`

Property Details

APN / Parcel Number

Primary APN	`04-21-28-8402-00-700`
Alternative APNs	`282104840200700` `189763` `193252` `196907`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	1,764 sqft
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,883 sqft (0.25 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	20 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	441 SUMMERSET DR
City	APOPKA
State	FL
Zip	32712-3548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RTF
Legal Description	SUMMERSET UNIT 1 10/117 LOT 70
Legal Range	28E
Legal Township	21S
Legal Section	04
Legal Subdivision	SUMMERSET UT 1
Legal Tract	8402
Legal Lot Number	70
Legal Unit	1
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	3
Census Block	3014
Census Tract	17701

Owner

Source: Orange County records, as of April 30, 2026

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	441 SUMMERSET DR, APOPKA, FL 32712-3548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 13, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2015 · Amount on Record
Deed Sale	Mar 9, 2015 · Amount on Record
Prior Sale	Aug 25, 2014 · Amount on Record
Deed Document Number	2015117547
Deed Book / Page	10885 / 6545
Prior Transfer Date	Aug 22, 2014
Prior Transfer Doc	0000430307
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	441 SUMMERSET DR, APOPKA, FL 32712-3548
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SUMMERSET DR, APOPKA, FL 32712-3548

Mortgage

Document Number	0000176659
Date	Mar 27, 2024
Instrument	20240176659

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	254 Months
Due	May 1, 2045

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	441 SUMMERSET DR, APOPKA, FL 32712-3548
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SUMMERSET DR, APOPKA, FL 32712-3548

Mortgage

Document Number	0000623440
Date	Oct 13, 2022
Instrument	20220623440

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	271 Months
Due	May 1, 2045

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	441 SUMMERSET DR, APOPKA, FL 32712-3548
Document Number	0000549402
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 SUMMERSET DR APOPKA FL 327123548, APOPKA, FL 32712-3548

Mortgage

Document Number	0000549402
Date	Sep 17, 2018
Instrument	549402

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
Municipality	Apopka City
County	Orange County
Unified School District	Orange County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$116,719 (+2.7%)	$270,380 (-1.2%) Land $75,000 Building $195,380
2025	$1,242.00 (+3.33%) Homeowner's exemption	$113,650 (+5.99%)	$273,660 (+5.15%) Land $75,000 Building $198,660
2024	$1,202.00 (+8%)
2023	$1,113.00 (+7.74%) Homeowner's exemption	$107,230 (+3%)	$260,248 (+11.9%) Land $85,000 Building $175,248
2022	$1,033.00 Homeowner's exemption	$104,107	$232,566 Land $85,000 Building $147,566

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 September 24, 2026 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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	APOPKA, CITY OF (5 WTPS) serves 71,917 people · EPA ID FL3480200
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 654 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Metronet.

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