645 Bishop Bay Loop, Apopka, FL 32712 Property Records

Orange County property record for 645 Bishop Bay Loop, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,192 sqft · built 2018
Lot Size	0.266 acres (11,595 sqft)
Owner	Individual Name on Record
Last Sale	$295,800 (Oct 2018)
Tax Bill	$6,919 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-20-28-7350-00-450`

Property Details

APN / Parcel Number

Primary APN	`33-20-28-7350-00-450`
Alternative APNs	`282033735000450` `181435` `184916` `188577`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	2,192 sqft
Flooring	Ceramic Tile
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	11,595 sqft (0.266 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	645 BISHOP BAY LOOP
City	APOPKA
State	FL
Zip	32712-2742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	ROCK SPRINGS ESTATES 87/32 LOT 45
Legal Range	28E
Legal Township	20S
Legal Section	33
Legal Subdivision	ROCK SPGS ESTS
Legal Tract	7350
Legal Lot Number	45
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1016
Census Tract	17809

Owner

Source: Orange County records, as of May 4, 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	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Jun 29, 2020	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK NA
Oct 3, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Deed Document Number	2018584019
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742

Mortgage

Document Number	0000265172
Date	May 10, 2023
Instrument	20230265172

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	168 Months
Due	May 9, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742
Document Number	0000368522
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BISHOP BAY LOOP APOPKA FL 327122742, APOPKA, FL 32712-2742

Mortgage

Document Number	0000368522
Date	Jul 9, 2020
Instrument	368522

Lender

Name	CITIZENS BK NA
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 3, 2018
Property Address	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742
Document Number	0000584019
Map Reference	MB 87 PG 32-35
Instrument Date	Oct 2, 2018
Instrument	20180584019
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	PGP TITLE OF FLORIDA INC DBA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,070.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 BISHOP BAY LOOP, APOPKA, FL 32712-2742

Mortgage

Document Number	0000584020
Date	Oct 3, 2018
Instrument	20180584020

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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		$426,140 (-1.11%) Land $100,000 Building $326,140	$426,140 (-1.11%) Land $100,000 Building $326,140
2025	$6,919.00 (+81.32%) Homeowner's exemption	$430,930 (+62.93%) Land $100,000 Building $330,930	$430,930 (+10.09%) Land $100,000 Building $330,930
2024	$3,816.00 (+7.04%)
2023	$3,565.00 (+4.15%) Homeowner's exemption	$264,481 (+3%)	$391,447 (+13.53%) Land $100,000 Building $291,447
2022	$3,423.00 Homeowner's exemption	$256,778	$344,787 Land $100,000 Building $244,787

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 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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