9908 Montclair Cir, Apopka, FL 32703 Property Records

Seminole County property record for 9908 Montclair Cir, Apopka, FL 32703

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,266 sqft · built 1999
Lot Size	0.309 acres (13,500 sqft)
Owner	2 Individual Names on File
Last Sale	$379,900 (Apr 2015)
Tax Bill	$5,228 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Feb 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`20-21-29-521-0000-0020`

Property Details

APN / Parcel Number

Primary APN	`20-21-29-521-0000-0020`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	3,266 sqft Living Area
1st Floor Area	2,792 sqft
2nd Floor Area	474 sqft
Upper Floors Area	474 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	13,500 sqft
Garage Area	610 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	467 sqft
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	9908 MONTCLAIR CIR
City	APOPKA
State	FL
Zip	32703-1969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MONTCLAIR PB 54 PBS 46 THRU 48
Legal Range	29E
Legal Township	21S
Legal Section	20
Legal Subdivision	MONTCLAIR
Legal Tract	521
Legal Lot Number	2
Jurisdiction	SEMINOLE FL
Township / Civil Division	CASSELBERRY-ALTAMONTE SPRINGS
Census Block Group	3
Census Block	3017
Census Tract	21708

Owner

9908 Montclair Cir is owned and occupied by two individuals who bought it in April 2015.

Source: Seminole County records, as of December 5, 2025

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 File
Mailing Address	9908 MONTCLAIR CIR, APOPKA, FL 32703-1969
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FEDEX EMPLOYEES CREDIT ASSN FCU
Feb 15, 2018	Loan Modification, Mortgage · Conventional Mortgage TRUHOME SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2015 · Amount on File
Deed Sale	Apr 1, 2015 · Amount on File
Prior Sale	Aug 19, 2014
Deed Document Number	0008460383
Deed Book / Page	04823 / 1147
Prior Transfer Date	Dec 24, 2014
Prior Transfer Doc	2014139352
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	9908 MONTCLAIR CIR, APOPKA, FL 32703-1969
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100410799
Date	Sep 13, 2021
Book Page	10041/799
Instrument	2021121014

Lender

Name	FEDEX EMPLOYEES CREDIT ASSN FCU
Type	Credit Union
Address	MEMPHIS, TN 38132

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	9908 MONTCLAIR CIR, APOPKA, FL 32703-1969
Document Number	0090881676
Instrument Date	Feb 15, 2018
Transaction Type	Mortgage
Record Updated	Apr 3, 2018
Title Company	TRUHOME SOLUTIONS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9908 MONTCLAIR CIR APOPKA FL 327031969, APOPKA, FL 32703-1969

Mortgage

Document Number	0090881676
Date	Mar 9, 2018
Book Page	009088/001676
Instrument	26443

Lender

Name	TRUHOME SOLUTIONS
Address	LENEXA, KS 66219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 8, 2045

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 9908 Montclair Cir was $5,228 with a homeowner's exemption.

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,228.00 Homeowner's exemption	$411,165	$575,272 Land $110,000 Building $465,272
2023	$5,016.00 (+2.45%) Homeowner's exemption	$387,939 (+3%)	$594,125 (+0.85%) Land $80,000 Building $514,125
2022	$4,896.00 Homeowner's exemption	$376,640	$589,137 Land $80,000 Building $509,137

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

Flood

FEMA maps place 9908 Montclair Cir 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 November 27, 2025 · 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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 9908 Montclair Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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	LAKE BRANTLEY (CONSEC) serves 192 people · EPA ID FL3590685
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
WOW Internet, Cable & Phone Fiber	5,000 / 5,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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