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540 Summit River Dr, Apopka, FL 32712 Property Records

Orange County property record for 540 Summit River Dr, Apopka, FL 32712

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,661 sqft · built 2024
Owner2 Individual Names on Record
Last Sale$509,300 (Jul 2025)
Tax Bill$7,105 (2025)
Deeds & MortgagesJul 2025 Mortgage
Jul 2024 Sale
Flood ZoneZone X (minimal risk)
APN04-21-28-8420-00-090

Property Details

APN / Parcel Number

Primary APN04-21-28-8420-00-090
Alternative APNs
  • 282104842000090
  • 193431
  • 197089

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,661 sqft Living Area
Gross Area3,484 sqft

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialConcrete Block

Location & Zoning

Street Address540 SUMMIT RIVER DR
CityAPOPKA
StateFL
Zip32712-3534
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRMF
Legal DescriptionSUMMIT RIDGE 112/52 LOT 9
Legal SubdivisionSUMMIT RIDGE
Legal Lot Number9
JurisdictionORANGE FL
Township / Civil DivisionAPOPKA
Census Block Group3
Census Block3015
Census Tract17701

Owner

Source: Orange County records, as of June 26, 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 Address540 SUMMIT RIVER DR, APOPKA, FL 32712-3534
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 31, 2025Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
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 Number2025443776
Record UpdatedSep 20, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionORANGE FL
Property Address540 SUMMIT RIVER DR, APOPKA, FL 32712-3534
Transaction TypeMortgage
Record UpdatedDec 9, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2501 N ORANGE BLOSSOM TRL 246, 246, ORLANDO, FL 32804-4870

Mortgage

Document Number0000443777
DateJul 31, 2025
Instrument20250443777
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA 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 Address540 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$430,990 (+0.62%) Land $60,000 Building $370,990$430,990 (+0.62%) Land $60,000 Building $370,990
2025$7,105.00 (+1,112.46%)$428,350 Land $18,750 Building $409,600$428,350 Land $18,750 Building $409,600
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 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% 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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