655 Bay Bridge Cir, Apopka, FL 32703 Property Records

Orange County property record for 655 Bay Bridge Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,857 sqft · built 2017
Lot Size	0.206 acres (8,983 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Nov 2017)
Tax Bill	$3,507 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-21-28-1390-00-010`

Property Details

APN / Parcel Number

Primary APN	`07-21-28-1390-00-010`
Alternative APNs	`282107139000010` `192987` `196499` `200160`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Living Area
Gross Area	2,727 sqft
1st Floor Area	1,857 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	8,983 sqft (0.206 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Slab
Porch Area	470 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 BAY BRIDGE CIR
City	APOPKA
State	FL
Zip	32703-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	CLEAR LAKE LANDING 84/40 LOT 1
Legal Range	28E
Legal Township	21S
Legal Section	07
Legal Subdivision	CLEAR LAKE LNDG
Legal Tract	1390
Legal Lot Number	1
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1071
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	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage RP FNDG
Nov 10, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BOFI FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2017 · Amount on Record
Deed Sale	Nov 10, 2017 · Amount on Record
Deed Document Number	2017618797
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Transaction Type	Mortgage
Record Updated	Oct 11, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711

Mortgage

Document Number	20210581083
Date	Sep 24, 2021
Instrument	20210581083

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Document Number	0000281309
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 7, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 BAY BRIDGE CIR APOPKA FL 327031711, APOPKA, FL 32703-1711

Mortgage

Document Number	0000281309
Date	May 11, 2018
Instrument	281309

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

November 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Nov 10, 2017
Property Address	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Document Number	0000618797
Map Reference	MB 84 PG 40-47
Instrument Date	Nov 3, 2017
Instrument	20170618797
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2022
Title Company	BROKERS TITLE OF LONGWOOD I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
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	655 BAY BRIDGE CIR, APOPKA, FL 32703-1711

Mortgage

Document Number	0000618798
Date	Nov 10, 2017
Instrument	20170618798

Lender

Name	BOFI FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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		$263,205 (+2.7%)	$358,300 (-1.18%) Land $70,000 Building $288,300
2025	$3,507.00 (+1.98%) Homeowner's exemption	$256,285 (+5.99%)	$362,570 (+10.68%) Land $70,000 Building $292,570
2024	$3,439.00 (+7.07%)
2023	$3,212.00 (+4.66%) Homeowner's exemption	$241,808 (+3%)	$327,586 (+6.74%) Land $70,000 Building $257,586
2022	$3,069.00 Homeowner's exemption	$234,765	$306,893 Land $70,000 Building $236,893

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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