2108 Swinstead Dr, Sanford, FL 32773 Property Records

Seminole County property record for 2108 Swinstead Dr, Sanford, FL 32773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,721 sqft · built 2022
Owner	Individual Name on Record
Last Sale	$458,800 (Mar 2022)
Tax Bill	$7,841 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-505-0000-2660`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-505-0000-2660`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,721 sqft Living Area
Upper Floors Area	1,503 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2108 SWINSTEAD DR
City	SANFORD
State	FL
Zip	32773-7390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 266 KENSINGTON RESERVE PHASE III PLAT BOOK {86} PAGES {38-45}
Legal Subdivision	KENSINGTON RESERVE
Legal Phase	3
Legal Lot Number	266
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1070
Census Tract	21000

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	2108 SWINSTEAD DR, SANFORD, FL 32773-7390
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Oct 25, 2021	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Oct 25, 2021 · Amount on Record
Deed Document Number	2022029903
Deed Book / Page	10190 / 675
Record Updated	Jun 8, 2026

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 10, 2022
Property Address	2108 SWINSTEAD DR, SANFORD, FL 32773-7390
Document Number	0101900675
Book / Page	10190 / 675
Map Reference	MB 86 PG 38-45
Instrument Date	Mar 9, 2022
Instrument	2022029903
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,211.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # H-16H-16, H-16H-16, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2108 SWINSTEAD DR, SANFORD, FL 32773-7390

Mortgage

Document Number	0010190677
Date	Mar 10, 2022
Instrument	10190/677

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 25, 2021
Property Address	2108 SWINSTEAD DR, SANFORD, FL 32773-7390
Document Number	0100771862
Book / Page	10077 / 1862
Map Reference	MB 86 PG 38-45
Instrument Date	Oct 7, 2021
Instrument	2021140197
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,400.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3601 RIGBY RD STE 300, 300, MIAMISBURG, OH 45342-5047

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 PENDER DR STE 300, 300, FAIRFAX, VA 22030-7471
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,841.00 (+7.68%) Homeowner's exemption	$477,656 (+16.47%)	$477,656 (+16.47%) Land $115,000 Building $362,656
2023	$7,282.00 (+374.4%)	$410,127 (+376.89%)	$410,127 (+4.09%) Land $105,000 Building $305,127
2022	$1,535.00	$86,000	$394,022 Land $86,000 Building $308,022

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 52 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	18 (2008–2024)
Claims Outside the SFHA	6 of 18
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Tropical Storm Fay, Aug 2008 · 9 claims

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	High above 79% of the US · above 68% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	SANFORD, CITY OF (2 WPS) serves 79,715 people · EPA ID FL3590205
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Jul 2020
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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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