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520 Summit River Dr, Apopka, FL 32712 Property Records

Orange County property record for 520 Summit River Dr, Apopka, FL 32712

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 2,989 sqft · built 2024
Owner2 Individual Names on Record
Last Sale$535,000 (Jul 2025)
Tax Bill$7,946 (2025)
Deeds & MortgagesJul 2025 Sale & Mortgage
Jul 2024 Sale
Flood ZoneZone X (minimal risk)
APN04-21-28-8420-00-110

Property Details

APN / Parcel Number

Primary APN04-21-28-8420-00-110
Alternative APNs
  • 282104842000110
  • 193433
  • 197091

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Building Area2,989 sqft Living Area
Gross Area4,063 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete Block

Location & Zoning

Street Address520 SUMMIT RIVER DR
CityAPOPKA
StateFL
Zip32712-3534
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMF
Legal DescriptionSUMMIT RIDGE 112/52 LOT 11
Legal SubdivisionSUMMIT RIDGE
Legal Lot Number11
JurisdictionORANGE FL
Township / Civil DivisionAPOPKA
Census Block Group3
Census Block3015
Census Tract17701

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 Record2 Individual Names on Record
Mailing Address520 SUMMIT RIVER DR, APOPKA, FL 32712-3534
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2025Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
CORNERSTONE FIRST MORTGAGE LLC
Jul 3, 2024Special Warranty Deed, Construction Loan
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2025 · Amount on Record
Deed SaleJul 31, 2025 · Amount on Record
Deed Document Number2025443831
Record UpdatedJun 8, 2026

July 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateJul 31, 2025
Property Address520 SUMMIT RIVER DR, APOPKA, FL 32712-3534
Document Number0000443831
Map ReferenceMB 112 PG 52
Instrument DateJul 28, 2025
Instrument20250443831
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 9, 2025
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,745.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2822 COMMERCE PARK DRIVE STE 100, 100, ORLANDO, FL 32819-8636

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 SUMMIT RIVER DR, APOPKA, FL 32712-3534

Mortgage

Document Number0000443832
DateJul 31, 2025
Instrument20250443832
Lender
NameCORNERSTONE FIRST MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2055

July 2024: Special Warranty Deed, Construction Loan

Document TypeSpecial Warranty Deed
JurisdictionORANGE FL
Recording DateJul 3, 2024
Property Address520 SUMMIT RIVER DR, APOPKA, FL 32712-3534
Document Number0000386503
Instrument DateJul 2, 2024
Instrument20240386503
Transaction TypeConstruction Loan
Record UpdatedDec 9, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$25,798.50
Amount AccuracyFull Amount Stated
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address23975 PARK SORRENTO STE 300, 300, CALABASAS, CA 91302-4012

Transferred To (Grantee/Buyer)

NameVerified Name
Address2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
MunicipalityApopka City
CountyOrange County
Unified School DistrictOrange County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$477,660 (-0.56%) Land $60,000 Building $417,660$477,660 (-0.56%) Land $60,000 Building $417,660
2025$7,946.00 (+1,255.97%)$480,350 Land $18,750 Building $461,600$480,350 Land $18,750 Building $461,600
2024$586.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemAPOPKA, CITY OF (5 WTPS)
serves 71,917 people · EPA ID FL3480200
Water SourceGroundwater
Last State InspectionApr 2023
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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