913 Bay Bridge Cir, Apopka, FL 32703 Property Records

Orange County property record for 913 Bay Bridge Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,337 sqft · built 2017
Lot Size	0.77 acres (33,557 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Mar 2020)
Tax Bill	$4,996 (2025)
Deeds & Mortgages	May 2026 Line of Credit Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-21-28-1390-01-240`

Property Details

APN / Parcel Number

Primary APN	`07-21-28-1390-01-240`
Alternative APNs	`282107139001240` `193136` `196649` `200310`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,337 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	1,059 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block/Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	33,557 sqft (0.77 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	913 BAY BRIDGE CIR
City	APOPKA
State	FL
Zip	32703-1717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1B
Legal Description	CLEAR LAKE LANDING 84/40 LOT 124
Legal Range	28E
Legal Township	21S
Legal Section	07
Legal Subdivision	CLEAR LAKE LNDG
Legal Tract	1390
Legal Block	1
Legal Lot Number	124
Jurisdiction	ORANGE FL
Township / Civil Division	APOPKA
Census Block Group	1
Census Block	1059
Census Tract	17901

Owner

Source: Orange County records, as of October 13, 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	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Mar 5, 2020	Warranty Deed, Transfer · Conventional with PMI ANGEL OAK HM LOANS
Mar 28, 2017	Special Warranty Deed, Transfer · Conventional Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	2020144213
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE FL
Recording Date	May 21, 2026
Property Address	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717
Document Number	0000288783
Instrument Date	May 6, 2026
Instrument	2026288783
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717

Mortgage

Document Number	0000288783,
Date	May 21, 2026
Instrument	2026288783

Lender

Name	LOWER LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.37%
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 5, 2020
Property Address	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717
Document Number	0000144213
Instrument Date	Feb 26, 2020
Instrument	144213
Transaction Type	Transfer
Record Updated	Apr 10, 2020
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	913 BAY BRIDGE CIR APOPKA FL 327031717, APOPKA, FL 32703-1717

Mortgage

Document Number	144214
Date	Mar 5, 2020
Instrument	144214

Lender

Name	ANGEL OAK HM LOANS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ORANGE FL
Recording Date	Mar 28, 2017
Property Address	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717
Document Number	0000165692
Map Reference	MB 84 PG 40-47
Instrument Date	Mar 24, 2017
Instrument	20170165692
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,319.10
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	913 BAY BRIDGE CIR, APOPKA, FL 32703-1717

Mortgage

Document Number	0000165693
Date	Mar 28, 2017
Instrument	20170165693

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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		$358,520 (+2.7%)	$453,720 (-2.04%) Land $95,000 Building $358,720
2025	$4,996.00 (+1.79%) Homeowner's exemption	$349,094 (+5.99%)	$463,160 (+11.52%) Land $95,000 Building $368,160
2024	$4,908.00 (+6.93%)
2023	$4,590.00 (+4.32%) Homeowner's exemption	$329,375 (+3%)	$415,302 (+6.75%) Land $95,000 Building $320,302
2022	$4,400.00 Homeowner's exemption	$319,782	$389,052 Land $95,000 Building $294,052

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.07% 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 150 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink.

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