Front elevation860 Bay Bridge Circle, Apopka, FL 32703
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 30, 2026, 860 Bay Bridge Circle in Clear Lake Lndg, Apopka is listed at $515,000 (3,214 sq ft, about $160 per sq ft). It has been 29 days on market. Listing facts: built in 2019, HOA dues of $103/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2019 · 7 yrs
- 3,214 sq ft of living area
- 2-car garage
- 29 days on market
- HOA $103/mo (per listing)
This home’s history
- 2019BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 29 cumulative days on market as of September 30, 2026
- Sep 2, 2026First seen on movewithmomentum.comObserved at $539,900
- Sep 16, 2026Price cut$531,900 (-$8,000, -1.5%)
- Sep 30, 2026Price cut$515,000 (-$16,900, -3.2%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,749/mo 75%
- Taxes $646/mo 18%
- Insurance $160/mo 4%
- HOA $103/mo 3%
$3,659/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollThe current taxable value ($541,120) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Orange County Property Appraiser 2025 final millage rates; OCPS 2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Natural hazard risk
FEMA National Risk Index for Orange County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 29 days on market for this home, against a 62-day area median.Days on market:this home 29Area median: 62 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2018 through 2026. As of September 20, 2026.
76% of homes in Clear Lake Lndg are owner-occupied. An estimated 24% are non-owner-occupied, including 3% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 143 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Clear Lake Lndg, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Virtually Staged. This Craftsman style residence showcases an open floor plan connecting living spaces throughout, enhanced by pendant and upgraded light fixtures defining each area. The property offers a conservation area view backing to a large retention area, creating a serene outdoor setting with no direct rear neighbors.
The kitchen is the heart of this residence, featuring stainless steel appliances, a kitchen island with electrical outlets, quartz countertops, and a breakfast bar for casual dining. Recessed and pendant lighting illuminate the space, complemented by a double oven, built-in microwave, induction cooktop, French door refrigerator with ice maker connection, and garbage disposal unit. Tile backsplash with subway tile and an undermount sink complete the design, with pantry storage offering ample space for groceries and supplies.
Ceramic tile flooring flows through the kitchen, dining area, great area, foyer, laundry area, and all bathrooms, with premium carpet in the primary bedroom suite, secondary bedrooms, upstairs hallways, and media/bonus area adding warmth. The split bedroom layout positions the primary bedroom retreat away from secondary bedrooms, ensuring privacy. A dual vanity bathroom serves the primary suite, and ceiling fans throughout provide comfort and efficiency.
Zoned A/C with smart thermostat WiFi control and programmable digital thermostat manages temperature precisely, and an energy-efficient heat pump reduces utility costs. A screened lanai extends living space outdoors, and a covered porch welcomes guests. The two-car garage with garage door opener and concrete driveway provide secure parking.
Wine storage and a wet bar add entertaining appeal, an irrigation system maintains the landscaping, and an architectural shingle roof protects the residence. Located near AdventHealth Apopka, this residence combines thoughtful design with practical amenities for modern living. Schedule your showing today to experience this well-appointed property firsthand.
Description provided by GLORY INTL. REAL ESTATE CO and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Orange County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 3,214 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated September 30, 2026.
Similar homes for sale near CLEAR LAKE LNDG
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in APOPKA
- 5249 Marshelder Street, APOPKA · $439,990 · 4 bd / 2.5 ba · listed September 30, 2026 (courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC)
- 5019 Nickerbean Street, APOPKA · $460,988 · 5 bd / 3.0 ba · listed September 30, 2026 (courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC)
- 2824 Charmont Drive, APOPKA · $450,000 · 3 bd / 2.5 ba · listed September 29, 2026 (courtesy of KELLER WILLIAMS ADVANTAGE III)
- 3000 Clarcona Road #427, APOPKA · $60,000 · 1 bd / 1.0 ba · listed September 29, 2026 (courtesy of ATKINS REALTY GROUP)
- 3876 Brantley Place Circle, APOPKA · $785,000 · 4 bd / 3.0 ba · listed September 29, 2026 (courtesy of KELLY PRICE & COMPANY LLC)
- 1645 Stefan Cole Lane, APOPKA · $425,000 · 3 bd / 2.0 ba · listed September 29, 2026 (courtesy of CHARLES RUTENBERG REALTY ORLANDO)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Seen enough photos?
Want to see 860 BAY BRIDGE CIRCLE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by GLORY INTL. REAL ESTATE CO · MLS # O6438147
Request a showing
More on CLEAR LAKE LNDG
Go deeper on CLEAR LAKE LNDG
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Orange County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the CLEAR LAKE LNDG guide → · Browse school-zone pages →
Comparable recent sales
No closed sales of a similar home within about 10 miles in Orange County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for CLEAR LAKE LNDG. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings
Buyer research checklist
Items worth confirming for 860 Bay Bridge Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $103/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Orange County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 3,214 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 less per year than the current owner’s estimated bill (−14%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: September 30, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Orange County — no medians or automated estimate shown |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 860 Bay Bridge Circle and when was it built?
Per the listing record, 860 Bay Bridge Circle was built in 2019 and has 3,214 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 860 Bay Bridge Circle in?
860 Bay Bridge Circle is in Clear Lake Lndg in Apopka, Orange County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 860 Bay Bridge Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $103 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 860 Bay Bridge Circle differ from the current owner's?
The estimate on this page (about $7,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,275 less per year than the current owner’s estimated bill (−14%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 860 Bay Bridge Circle in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 860 BAY BRIDGE CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.