7738 Apple Tree Cir, Orlando, FL 32819 Property Records

Orange County property record for 7738 Apple Tree Cir, Orlando, FL 32819

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,752 sqft · built 1990
Lot Size	0.327 acres (14,225 sqft)
Owner	2 Trust Names on File
Last Sale	$850,000 (Dec 2019)
Tax Bill	$13,225 (2025)
Deeds & Mortgages	Dec 2019 Sale Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-23-28-8273-00-830`

Property Details

APN / Parcel Number

Primary APN	`23-23-28-8273-00-830`
Alternative APNs	`282323827300830` `288291` `293145` `297308`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,752 sqft Living Area
Gross Area	3,963 sqft
1st Floor Area	2,752 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,225 sqft (0.327 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	544 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	7738 APPLE TREE CIR
City	ORLANDO
State	FL
Zip	32819-4686
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-D
Legal Description	ST IVES 23/36 LOT 83
Legal Range	28E
Legal Township	23S
Legal Section	23
Legal Subdivision	ST IVES
Legal Tract	8273
Legal Lot Number	83
Jurisdiction	ORANGE FL
Township / Civil Division	SOUTHWEST ORANGE
Census Block Group	1
Census Block	1016
Census Tract	14811

Owner

7738 Apple Tree Cir is owner-occupied and held in a trust since December 2019.

Source: Orange County records, as of April 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Dec 31, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage RONALD T GURSKY
Jul 25, 2019	Deed of Trust, Mortgage · Conventional with PMI ANGEL OAK HM LOANS
May 15, 2019	Quit Claim Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Mar 10, 2017	Warranty Deed, Transfer · ARM PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Prior Sale	Mar 10, 2017 · Amount on File
Deed Document Number	2019814355
Prior Transfer Date	Apr 30, 2019
Prior Transfer Doc	0000303539
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Dec 31, 2019
Property Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Document Number	0000814355
Instrument Date	Dec 30, 2019
Instrument	814355
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$5,950.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7738 APPLE TREE CIR ORLANDO FL 328194686, ORLANDO, FL 32819-4686

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Document Number	0000590970
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7738 APPLE TREE CIR ORLANDO FL 328194686, ORLANDO, FL 32819-4686

Mortgage

Document Number	0000590970
Date	Sep 23, 2019
Instrument	590970

Lender

Name	RONALD T GURSKY
Address	1300 HIDDEN HARBOR LN, KISSIMMEE, FL 34746-3628

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Property Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Document Number	0000475918
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7738 APPLE TREE CIR ORLANDO FL 328194686, ORLANDO, FL 32819-4686

Mortgage

Document Number	0000475918
Date	Aug 1, 2019
Instrument	475918

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ORANGE FL
Recording Date	May 15, 2019
Property Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Document Number	0000303539
Instrument Date	Apr 30, 2019
Instrument	303539
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7738 APPLE TREE CIR ORLANDO FL 328194686, ORLANDO, FL 32819-4686

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 10, 2017
Property Address	7738 APPLE TREE CIR, ORLANDO, FL 32819-4686
Document Number	0000127658
Map Reference	MB 23 PG 36
Instrument Date	Jan 6, 2017
Instrument	20170127658
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,143.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12030 SANDY SHORES DR, 12030, WINDERMERE, FL 34786-7510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6936 HOCHAD DR # 86, 86, ORLANDO, FL 32819-4722

Mortgage

Document Number	0000127659
Date	Mar 10, 2017
Instrument	20170127659

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 7738 Apple Tree Cir was $13,225, up 4.3% from the year before.

Source: Orange County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Florida
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		$784,690 (-1.27%) Land $150,000 Building $634,690	$784,690 (-1.27%) Land $150,000 Building $634,690
2025	$13,225.00 (+4.27%)	$794,810 Land $150,000 Building $644,810	$794,810 Land $150,000 Building $644,810
2024	$12,683.00 (+11.7%)
2023	$11,355.00 (+10.94%)	$724,623 (+12.95%) Land $150,000 Building $574,623	$724,623 (+12.95%) Land $150,000 Building $574,623
2022	$10,235.00	$641,515 Land $150,000 Building $491,515	$641,515 Land $150,000 Building $491,515

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

Flood

FEMA maps place 7738 Apple Tree Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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 File median of 24 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	24 in force
Nearby Flood Claims	6 (1979–2017)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims

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 7738 Apple Tree Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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	ORLANDO UTILITIES COMMISSION serves 536,466 people · EPA ID FL3480962
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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