Orange County property record for 970 Karst Tree Ln, Apopka, FL 32703
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,552 sqft · built 2018 |
| Lot Size | 0.171 acres (7,460 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $490,000 (Oct 2023) |
| Tax Bill | $7,212 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage May 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-21-28-3633-02-250 |
| Primary APN | 21-21-28-3633-02-250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,552 sqft Living Area |
| Gross Area | 3,483 sqft |
| 1st Floor Area | 1,764 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block/Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,460 sqft (0.171 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Slab |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 970 KARST TREE LN |
|---|---|
| City | APOPKA |
| State | FL |
| Zip | 32703-6460 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-D |
| Legal Description | HILLTOP RESERVE PHASE 4 95/1 LOT 225 |
| Legal Range | 28E |
| Legal Township | 21S |
| Legal Section | 21 |
| Legal Subdivision | HILLTOP RESERVE PH 4 |
| Legal Phase | 4 |
| Legal Block | 2 |
| Legal Lot Number | 225 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | APOPKA |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 17505 |
Source: Orange County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 970 KARST TREE LN, APOPKA, FL 32703-6460 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 7, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on Record |
| Deed Sale | Oct 6, 2023 · Amount on Record |
| Prior Sale | Jan 8, 2019 · Amount on Record |
| Deed Document Number | 2023578588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 970 KARST TREE LN, APOPKA, FL 32703-6460 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1460 MARDEN RIDGE LOOP 304, 304, APOPKA, FL 32703-6959 |
| Document Number | 0000578589 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 20230578589 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ORANGE FL |
| Recording Date | May 7, 2019 |
| Property Address | 970 KARST TREE LN, APOPKA, FL 32703-6460 |
| Document Number | 0000283243 |
| Instrument Date | May 6, 2019 |
| Instrument | 283243 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 151 SOUTHHALL LN #120 MAITLAND FL 327517115, 120, MAITLAND, FL 32751-7115 |
| Investor | Possibly a Property Investor |
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $434,130 (-3.44%) Land $70,000 Building $364,130 | $434,130 (-4.48%) Land $70,000 Building $364,130 | |
| 2025 | $7,212.00 (+4.2%) Homeowner's exemption | $449,603 (+71.96%) | $454,510 (+10.79%) Land $85,000 Building $369,510 |
| 2024 | $6,921.00 (+75.26%) | ||
| 2023 | $3,949.00 (+4.17%) Homeowner's exemption | $261,453 (+3%) | $410,227 (+13.02%) Land $85,000 Building $325,227 |
| 2022 | $3,791.00 Homeowner's exemption | $253,838 | $362,966 Land $90,000 Building $272,966 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 64 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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