645 Summit River Dr, Apopka, FL 32712 Property Records

Orange County property record for 645 Summit River Dr, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,669 sqft
Owner	Individual on Record
Last Sale	$480,000 (Oct 2025)
Tax Bill	$7,308 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-21-28-8420-00-180`

Property Details

APN / Parcel Number

Primary APN	`04-21-28-8420-00-180`
Alternative APNs	`282104842000180` `193441` `197099`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,669 sqft Living Area
Gross Area	3,398 sqft

Location & Zoning

Street Address	645 SUMMIT RIVER DR
City	APOPKA
State	FL
Zip	32712-3535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMF
Legal Description	SUMMIT RIDGE 112/52 LOT 18
Legal Subdivision	SUMMIT RIDGE
Legal Lot Number	18
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	3
Census Block	3015
Census Tract	17701

Owner

Source: Orange County assessment roll, 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 Record	Individual on Record
Mailing Address	645 SUMMIT RIVER DR, APOPKA, FL 32712-3535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOME AMERICAN MORTGAGE CORP
Jul 3, 2024	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Deed Document Number	2025577854
Record Updated	Jun 8, 2026

October 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 6, 2025
Property Address	645 SUMMIT RIVER DR, APOPKA, FL 32712-3535
Document Number	0000577854
Map Reference	MB 112 PG 52
Instrument Date	Sep 30, 2025
Instrument	20250577854
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2822 COMMERCE PARK DRIVE STE 100, 100, ORLANDO, FL 32819-8636

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SUMMIT RIVER DR, APOPKA, FL 32712-3535

Mortgage

Document Number	0000577857
Date	Oct 6, 2025
Instrument	20250577857

Lender

Name	HOME AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

July 2024: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jul 3, 2024
Property Address	645 SUMMIT RIVER DR, APOPKA, FL 32712-3535
Document Number	0000386503
Instrument Date	Jul 2, 2024
Instrument	20240386503
Transaction Type	Construction Loan
Record Updated	Dec 9, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$25,798.50
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23975 PARK SORRENTO STE 300, 300, CALABASAS, CA 91302-4012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 COMMERCE PARK DR STE 100, 100, ORLANDO, FL 32819-8636
Investor	Possibly a Property Investor

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		$443,400 (+0.51%) Land $60,000 Building $383,400	$443,400 (+0.51%) Land $60,000 Building $383,400
2025	$7,308.00 (+1,147.1%)	$441,150 (+2,252.8%) Land $18,750 Building $422,400	$441,150 (+2,252.8%) Land $18,750 Building $422,400
2024	$586.00	$18,750 Land $18,750	$18,750 Land $18,750

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 95% of the US · lower than 95% 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 654 locations within half a mile, as of December 31, 2025

Provider	Max 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.

Nearby Properties on Summit River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures