648 Bishop Bay Loop, Apopka, FL 32712 Property Records

Orange County property record for 648 Bishop Bay Loop, Apopka, FL 32712

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,878 sqft · built 2017
Lot Size	0.322 acres (14,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,800 (Apr 2017)
Tax Bill	$4,712 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-20-28-7350-00-420`

Property Details

APN / Parcel Number

Primary APN	`33-20-28-7350-00-420`
Alternative APNs	`282033735000420` `181431` `184912` `188573`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,878 sqft Living Area
Gross Area	3,901 sqft
1st Floor Area	1,418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,008 sqft (0.322 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	205 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	648 BISHOP BAY LOOP
City	APOPKA
State	FL
Zip	32712-2740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	ROCK SPRINGS ESTATES 87/32 LOT 42
Legal Range	28E
Legal Township	20S
Legal Section	33
Legal Subdivision	ROCK SPGS ESTS
Legal Tract	7350
Legal Lot Number	42
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1015
Census Tract	17809

Owner

Source: Orange County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Feb 13, 2019	Loan Modification, Mortgage · Conventional Mortgage PULTE MTG
Apr 25, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2017 · Amount on Record
Deed Sale	Apr 25, 2017 · Amount on Record
Deed Document Number	2017226839
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740

Mortgage

Document Number	0000509382
Date	Aug 19, 2022
Instrument	20220509382

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740
Document Number	0000143391
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	648 BISHOP BAY LOOP APOPKA FL 327122740, APOPKA, FL 32712-2740

Mortgage

Document Number	0000143391
Date	Mar 11, 2019
Instrument	143391

Lender

Name	PULTE MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 10, 2059

Interest

Rate Type	Fixed Rate
Rate	4.49%

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Apr 25, 2017
Property Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740
Document Number	0000226839
Map Reference	MB 87 PG 32-35
Instrument Date	Apr 21, 2017
Instrument	20170226839
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	$2,196.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 BISHOP BAY LOOP, APOPKA, FL 32712-2740

Mortgage

Document Number	0000226840
Date	Apr 25, 2017
Instrument	20170226840

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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		$340,174 (+2.7%)	$503,470 (-1.17%) Land $100,000 Building $403,470
2025	$4,712.00 (+1.82%) Homeowner's exemption	$331,231 (+5.99%)	$509,450 (+11.54%) Land $100,000 Building $409,450
2024	$4,628.00 (+6.96%)
2023	$4,327.00 (+4.16%) Homeowner's exemption	$312,520 (+3%)	$456,757 (+14.34%) Land $100,000 Building $356,757
2022	$4,154.00 Homeowner's exemption	$303,417	$399,463 Land $100,000 Building $299,463

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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