643 Bay Bridge Cir, Apopka, FL 32703 Property Records

Orange County property record for 643 Bay Bridge Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,815 sqft · built 2018
Lot Size	0.207 acres (9,032 sqft)
Owner	Individual Name on Record
Last Sale	$351,200 (Apr 2018)
Tax Bill	$93 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-21-28-1390-00-680`

Property Details

APN / Parcel Number

Primary APN	`07-21-28-1390-00-680`
Alternative APNs	`282107139000680` `193066` `196581` `200242`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,815 sqft Living Area
Gross Area	4,425 sqft
1st Floor Area	2,340 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,032 sqft (0.207 acres)
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	643 BAY BRIDGE CIR
City	APOPKA
State	FL
Zip	32703-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	CLEAR LAKE LANDING 84/40 LOT 68
Legal Range	28E
Legal Township	21S
Legal Section	07
Legal Subdivision	CLEAR LAKE LNDG
Legal Tract	1390
Legal Lot Number	68
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1059
Census Tract	17901

Owner

Source: Orange County records, as of May 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	643 BAY BRIDGE CIR, APOPKA, FL 32703-1709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 3, 2018	Special Warranty Deed, Transfer · VA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on Record
Deed Sale	Apr 3, 2018 · Amount on Record
Deed Document Number	2018195276
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	643 BAY BRIDGE CIR, APOPKA, FL 32703-1709
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BAY BRIDGE CIR, APOPKA, FL 32703-1709

Mortgage

Document Number	0000117838
Date	Feb 21, 2022
Instrument	20220117838

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 3, 2018
Property Address	643 BAY BRIDGE CIR, APOPKA, FL 32703-1709
Document Number	0000195276
Map Reference	MB 84 PG 40
Instrument Date	Mar 23, 2018
Instrument	20180195276
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,458.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BAY BRIDGE CIR, APOPKA, FL 32703-1709

Mortgage

Document Number	0000195277
Date	Apr 3, 2018
Instrument	20180195277

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

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		$407,626 (+2.7%)	$557,480 (-1.27%) Land $70,000 Building $487,480
2025	$93.00 (+19.23%) Homeowner's exemption	$396,909 (+5.99%)	$564,670 (+13.89%) Land $70,000 Building $494,670
2024	$78.00 (+8.33%)
2023	$72.00 (+38%) Homeowner's exemption	$374,488 (+3%)	$495,815 (+6.87%) Land $70,000 Building $425,815
2022	$15.00 Homeowner's exemption	$363,581	$463,945 Land $70,000 Building $393,945

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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Oct 2014 · other causes

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	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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