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Single Family ResidenceResidential
$465,555$442 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $465,000 on May 8, 2026

640 SUMMIT RIVER DR

APOPKA, FL 32712
4
Beds
2.5
Baths
1,054 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.

Valuation

$466K
$451K low$480K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$465,000 · May 8, 2026
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$8,978
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$7,182
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.98%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$456,577
HOMEAMERICAN MORTGAGE CORPORATION · E · 3.75% 1 · recorded May 8, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,404 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$335,170 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$60,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$275,170
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$335,170

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
31
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
75
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyORANGE
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Apoka High SchoolC-
High · Grades 9–12 · 0.3 mi
E
Apoka Elementary SchoolB
Elementary · Grades PK–5 · 0.5 mi
M
Apoka Memorial Middle SchoolC
Middle · Grades 6–8 · 0.8 mi

District: Orange County School District

Neighborhood · ZIP 32712These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.62
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.144
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.53,600
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.851 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$99,922
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$119,524
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

640 Summit River Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the highest price per square foot in Apopka 32712
  • Smaller than 94% of homes in Apopka 32712

What homes are worth in Apopka 32712

Each bar is how many homes fall in that price range. The marker is this home.

This home
$198K$787K

This home is worth more than 57% of homes in Apopka 32712.

How it measures up in Apopka 32712

The dot is this home. The mark in the middle is the typical home in Apopka 32712.

Estimated value$465,555
CheaperTypical $444,737Pricier

Pricier than 57% of homes nearby

Price per ft²$442
CheaperTypical $207Pricier

Pricier than almost all homes nearby

Living area1,054 ft²
SmallerTypical 2,109 ft²Bigger

Bigger than 6% of homes nearby

How 640 Summit River Dr ranks against every home in each area.
MeasureThis homeApopka 32712Orange County
Estimated valuepricier than$465,55557% of homes62% of homes
Price per ft²pricier than$442almost all homes97% of homes
Living areabigger than1,054 ft²6% of homes12% of homes

About 640 Summit River Dr

How much is 640 Summit River Dr, Apopka, FL worth?

The TopHap Estimate for 640 Summit River Dr, Apopka, FL is $465,555 as of Jul 14, 2026. The likely range is $450,773 to $480,337. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Summit River Dr, Apopka, FL last sell?

640 Summit River Dr, Apopka, FL last sold on May 8, 2026 for $465,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 640 Summit River Dr, Apopka, FL?

640 Summit River Dr, Apopka, FL has 4 bedrooms, 2.5 bathrooms and 1,054 square feet of living space.

What schools serve 640 Summit River Dr, Apopka, FL?

640 Summit River Dr, Apopka, FL is assigned to Apoka High School (high), rated C-; Apoka Elementary School (elementary), rated B; Apoka Memorial Middle School (middle), rated C. All sit in Orange County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Summit River Dr, Apopka, FL compare to other homes in Apopka 32712?

Among the 18,442 homes in Apopka 32712, it is worth more than 57% of them ($465,555 against a typical $444,737), its price per square foot is higher than almost all of them ($442 against a typical $207) and it is bigger than 6% of them (1,054 ft² against a typical 2,109 ft²). Measured against all of Orange County, it is worth more than 62% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 640 Summit River Dr, Apopka, FL?

The 2025 property tax bill for 640 Summit River Dr, Apopka, FL was $5,404. The county assessed it at $335,170.

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Assigned schools

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