2131 Swinstead Dr, Sanford, FL 32773 Property Records

Seminole County property record for 2131 Swinstead Dr, Sanford, FL 32773

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,980 sqft · built 2022
Owner	Individual Name on Record
Last Sale	$630,300 (Dec 2022)
Tax Bill	$8,859 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-505-0000-3690`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-505-0000-3690`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	2,980 sqft Living Area
Upper Floors Area	1,650 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
Porch	Finished/Screened Porch
Porch Area	531 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2131 SWINSTEAD DR
City	SANFORD
State	FL
Zip	32773-7391
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 369 KENSINGTON RESERVE PHASE III PLAT BOOK {86} PAGES {38-45}
Legal Subdivision	KENSINGTON RESERVE
Legal Phase	3
Legal Lot Number	369
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 9, 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
Mailing Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage STEVEN ROSARIO
Nov 24, 2025	Intrafamily Transfer, Transfer
Dec 22, 2022	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 23, 2022	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Dec 22, 2022 · Amount on Record
Deed Document Number	0103651713
Deed Book / Page	10365 / 1713
Last Transfer Date	Nov 24, 2025
Transfer Doc	0109401250
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391

Mortgage

Document Number	0104571383
Date	Jun 15, 2023
Book Page	10457/1383
Instrument	2023055376

Lender

Name	STEVEN ROSARIO
Type	Private Party
Address	12061 SPRITE LN, ORLANDO, FL 32832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2033

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Nov 24, 2025
Property Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391
Document Number	0109401250
Book / Page	10940 / 1250
Map Reference	MB 985 PG 900
Instrument Date	Sep 1, 2025
Instrument	2025117506
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12061 SPRITE LN, ORLANDO, FL 32832-6594

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 22, 2022
Property Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391
Document Number	0103651713
Book / Page	10365 / 1713
Map Reference	MB 86 PG 38-45
Instrument Date	Dec 22, 2022
Instrument	2022137407
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,412.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7547 GOLF CHANNEL DR, ORLANDO, FL 32819-8921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391

Mortgage

Document Number	0103651715
Date	Dec 22, 2022
Instrument	10365/1715

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 23, 2022
Property Address	2131 SWINSTEAD DR, SANFORD, FL 32773-7391
Document Number	0102640454
Book / Page	10264 / 454
Map Reference	MB 86 PG 38-45
Instrument Date	Jun 9, 2022
Instrument	2022073185
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$1,443.40
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	4307 VINELAND RD STE H16, H16, ORLANDO, FL 32811-7374
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	$8,859.00 (+8.99%) Homeowner's exemption	$534,098 (+16.67%)	$534,098 (+16.67%) Land $115,000 Building $419,098
2023	$8,128.00 (+451.8%)	$457,776 (+438.56%)	$457,776 (+438.56%) Land $105,000 Building $352,776
2022	$1,473.00	$85,000 Land $85,000	$85,000 Land $85,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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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