655 Vine Ct, Apopka, FL 32703 Property Records

Orange County property record for 655 Vine Ct, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,652 sqft · built 1985
Lot Size	0.298 acres (12,973 sqft)
Owner	2 Individual Names on File
Last Sale	$413,000 (Oct 2025)
Tax Bill	$5,843 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-21-28-1254-00-070`

Property Details

APN / Parcel Number

Primary APN	`10-21-28-1254-00-070`
Alternative APNs	`282110125400070` `196618` `200398` `204051`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,652 sqft Living Area
Gross Area	2,201 sqft
1st Floor Area	1,652 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,973 sqft (0.298 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	655 VINE CT
City	APOPKA
State	FL
Zip	32703-5468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU-D
Legal Description	CHARTER OAKS 9/3 LOT 7
Legal Range	28E
Legal Township	21S
Legal Section	10
Legal Subdivision	CHARTER OAKS
Legal Tract	1254
Legal Lot Number	7
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1010
Census Tract	17600

Owner

655 Vine Ct is owned and occupied by two individuals who bought it in October 2025.

Source: Orange County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	655 VINE CT, APOPKA, FL 32703-5468
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Warranty Deed, Transfer · VA Mortgage MEGA CAPITAL FUNDING INC
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 30, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
May 24, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 24, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on File
Deed Sale	Oct 21, 2025 · Amount on File
Prior Sale	Dec 29, 2021 · Amount on File
Deed Document Number	2025608673
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Oct 21, 2025
Property Address	655 VINE CT, APOPKA, FL 32703-5468
Document Number	0000608673
Map Reference	MB 9 PG 3
Instrument Date	Oct 15, 2025
Instrument	20250608673
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	UNKNOWN, GLOBAL INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,891.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2251 WADEVIEW LOOP, SAINT CLOUD, FL 34769-6523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 VINE CT, APOPKA, FL 32703-5468

Mortgage

Document Number	0000608674
Date	Oct 21, 2025
Instrument	20250608674

Lender

Name	MEGA CAPITAL FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 29, 2021
Property Address	655 VINE CT, APOPKA, FL 32703-5468
Document Number	0000789460
Map Reference	MB 9 PG 3
Instrument Date	Dec 3, 2021
Instrument	20210789460
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	Z TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7752 WHISPER PL, ORLANDO, FL 32810-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 VINE CT, APOPKA, FL 32703-5468

Mortgage

Document Number	0000789461
Date	Dec 29, 2021
Instrument	20210789461

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Aug 30, 2019
Property Address	655 VINE CT, APOPKA, FL 32703-5468
Document Number	0000543346
Instrument Date	Aug 19, 2019
Instrument	543346
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,795.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7752 WHISPER PL ORLANDO FL 328102738, ORLANDO, FL 32810-2738

Mortgage

Document Number	543347
Date	Aug 30, 2019
Instrument	543347

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 29, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	655 VINE CT, APOPKA, FL 32703-5468
Document Number	0000369319
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 VINE CT APOPKA FL 327035468, APOPKA, FL 32703-5468

Mortgage

Document Number	0000369319
Date	Jun 22, 2018
Instrument	369319

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2048

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	655 VINE CT, APOPKA, FL 32703-5468
Document Number	0000411023
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 937 APOPKA FL 327040937, APOPKA, FL 32704-0937

Mortgage

Document Number	0000411023
Date	Jul 12, 2018
Instrument	411023

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2048

Interest

Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 655 Vine Ct was $5,843, up 36.5% from the year before.

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		$358,160 (-1.38%) Land $90,000 Building $268,160	$358,160 (-1.38%) Land $90,000 Building $268,160
2025	$5,843.00 (+36.52%) Homeowner's exemption	$363,190 Land $90,000 Building $273,190	$363,190 Land $90,000 Building $273,190
2024	$4,280.00 (+6.97%)
2023	$4,001.00 (+3.98%) Homeowner's exemption	$292,403 (+3%)	$333,799 (+17.58%) Land $90,000 Building $243,799
2022	$3,848.00 Homeowner's exemption	$283,886 Land $75,000 Building $208,886	$283,886 Land $75,000 Building $208,886

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 655 Vine Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2002)
Most Recent Claim	Jul 2002 · rainfall accumulation

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

Wildfire risk around 655 Vine Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% 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 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Metronet.

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