Orange County property record for 472 Whispering Oak Ln, Apopka, FL 32712
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,311 sqft · built 1983 |
| Lot Size | 0.399 acres (17,381 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $565,000 (Aug 2024) |
| Tax Bill | $9,258 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-21-28-0636-00-260 |
| Primary APN | 01-21-28-0636-00-260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,311 sqft Living Area |
| Gross Area | 3,645 sqft |
| 1st Floor Area | 1,741 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Stone/Wood Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,381 sqft (0.399 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 488 sqft |
| Patio Area | 170 sqft |
| Shed | 1 Shed |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 472 WHISPERING OAK LN |
|---|---|
| City | APOPKA |
| State | FL |
| Zip | 32712-3965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1AA |
| Legal Description | BENT OAK PHASE 2 10/23 LOT 26 |
| Legal Range | 28E |
| Legal Township | 21S |
| Legal Section | 01 |
| Legal Subdivision | BENT OAK PH 2 |
| Legal Phase | 2 |
| Legal Tract | 636 |
| Legal Lot Number | 26 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | APOPKA |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 17806 |
Source: Orange County records, as of October 12, 2026
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 |
|---|---|
| Mailing Address | 536 WHISPERING OAK LN, APOPKA, FL 32712-3959 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Oct 22, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jan 22, 2018 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on Record |
| Deed Sale | Aug 28, 2024 · Amount on Record |
| Prior Sale | Mar 4, 2021 · Amount on Record |
| Deed Document Number | 2024500631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 0000558414 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 20220558414 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 20210647998 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 20210647998 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 21, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 4, 2021 |
| Property Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 0000126743 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Mar 2, 2021 |
| Instrument | 20210126743 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2022 |
| Title Company | EQUITABLE TITLE/MID-FLORIDA LL, EQUITABLE TTL OF MID FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34731 ESTES RD, 34731, EUSTIS, FL 32736-2211 |
| Name | Verified Name |
|---|---|
| Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 0000126744 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 20210126744 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Mar 4, 2021 |
| Property Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 20210126743 |
| Map Reference | MB 10 PG 23 |
| Instrument Date | Mar 2, 2021 |
| Instrument | 20210126743 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2021 |
| Title Company | EQUITABLE TTL OF MID FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34731 ESTES RD, 34731, EUSTIS, FL 32736-2211 |
| Name | Verified Name |
|---|---|
| Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 20210126744 |
|---|---|
| Date | Mar 4, 2021 |
| Instrument | 20210126744 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | Jan 22, 2018 |
| Property Address | 472 WHISPERING OAK LN, APOPKA, FL 32712-3965 |
| Document Number | 0000040727 |
| Instrument Date | Jan 8, 2018 |
| Instrument | 40727 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2018 |
| Title Company | RP TITLE AND ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 472 WHISPERING OAK LN APOPKA FL 327123965, APOPKA, FL 32712-3965 |
| Document Number | 40728 |
|---|---|
| Date | Jan 22, 2018 |
| Instrument | 40728 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2048 |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $477,040 (-1.06%) Land $145,000 Building $332,040 | $477,040 (-1.06%) Land $145,000 Building $332,040 | |
| 2025 | $9,258.00 (+35.43%) Homeowner's exemption | $482,140 (+31.58%) Land $145,000 Building $337,140 | $482,140 (+14.27%) Land $145,000 Building $337,140 |
| 2024 | $6,836.00 (+6.08%) | ||
| 2023 | $6,444.00 (+21.47%) Homeowner's exemption | $366,428 (+3%) | $421,939 (+18.6%) Land $145,000 Building $276,939 |
| 2022 | $5,305.00 Homeowner's exemption | $355,755 Land $120,000 Building $235,755 | $355,755 Land $120,000 Building $235,755 |
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 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 |
| Flood Insurance Cost | Premium on Record median of 28 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 28 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | SEMINOLE COUNTY SOUTHWEST serves 9,622 people · EPA ID FL3590785 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Also Mapped Here | OCUD/WESTERN REGIONAL WTR SYS (5 WPS), OCUD/SOUTHERN WATER SYS (5 WPS) |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures