685 Bay Bridge Cir, Apopka, FL 32703 Property Records

Orange County property record for 685 Bay Bridge Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,216 sqft · built 2016
Lot Size	0.206 acres (8,994 sqft)
Owner	2 Individual Names on Record
Last Sale	$288,581 (Jan 2017)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Mar 2018 Loan Modification Mar 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-21-28-1390-00-060`

Property Details

APN / Parcel Number

Primary APN	`07-21-28-1390-00-060`
Alternative APNs	`282107139000060` `192992` `196506` `200166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,216 sqft Living Area
Gross Area	2,858 sqft
1st Floor Area	2,216 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,994 sqft (0.206 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	180 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	685 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 6
Legal Range	28E
Legal Township	21S
Legal Section	07
Legal Subdivision	CLEAR LAKE LNDG
Legal Tract	1390
Legal Lot Number	6
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1071
Census Tract	17901

Owner

Source: Orange County records, as of July 14, 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	2 Individual Names on Record
Mailing Address	685 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Mar 1, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Jan 17, 2017	Special Warranty Deed, Transfer · VA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2017 · Amount on Record
Deed Sale	Jan 17, 2017 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	201729297
Record Updated	Sep 20, 2026

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	685 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Document Number	0000254550
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 BAY BRIDGE CIR APOPKA FL 327031711, APOPKA, FL 32703-1711

Mortgage

Document Number	0000254550
Date	May 1, 2018
Instrument	254550

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ORANGE FL
Property Address	685 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Document Number	0000254550
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 BAY BRIDGE CIR APOPKA FL 327031711, APOPKA, FL 32703-1711

Mortgage

Document Number	0000254550
Date	May 1, 2018
Instrument	254550

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Jan 17, 2017
Property Address	685 BAY BRIDGE CIR, APOPKA, FL 32703-1711
Document Number	0000029297
Map Reference	MB 84 PG 40-47
Instrument Date	Dec 28, 2016
Instrument	20170029297
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CAFATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,020.20
Amount Accuracy	Full Amount Stated
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	685 BAY BRIDGE CIR, APOPKA, FL 32703-1711

Mortgage

Document Number	0000029298
Date	Jan 17, 2017
Instrument	20170029298

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 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		$323,264 (+2.7%)	$421,180 (-1.35%) Land $70,000 Building $351,180
2025	$4,356.00 Homeowner's exemption	$314,765 (+19.02%)	$426,940 (+20.39%) Land $70,000 Building $356,940
2024	$4,356.00 (+22.19%)
2023	$3,565.00 (+4.45%) Homeowner's exemption	$264,460 (+3%)	$354,642 (+6.8%) Land $70,000 Building $284,642
2022	$3,413.00 Homeowner's exemption	$256,757	$332,050 Land $70,000 Building $262,050

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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