2186 Swinstead Dr, Sanford, FL 32773 Property Records

Seminole County property record for 2186 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 File
Last Sale	$640,000 (Mar 2025)
Tax Bill	$9,778 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-505-0000-2790`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-505-0000-2790`

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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2186 SWINSTEAD DR
City	SANFORD
State	FL
Zip	32773-7390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 279 KENSINGTON RESERVE PHASE III PLAT BOOK {86} PAGES {38-45}
Legal Subdivision	KENSINGTON RESERVE
Legal Phase	3
Legal Lot Number	279
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1070
Census Tract	21000

Owner

2186 Swinstead Dr is owned and occupied by an individual who bought it in March 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 13, 2022	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 8, 2022	Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2025 · Amount on File
Deed Sale	Mar 21, 2025 · Amount on File
Prior Sale	Dec 13, 2022 · Amount on File
Deed Document Number	2025025955
Deed Book / Page	10791 / 1423
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 21, 2025
Property Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390
Document Number	0107911423
Book / Page	10791 / 1423
Map Reference	MB 116 PG 38-45
Instrument Date	Mar 18, 2025
Instrument	2025025955
Transaction Type	Transfer
Record Updated	Dec 8, 2025
Title Company	MAGNOLIA CLOSING CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2609 RED LEGGED THRUSH DR, HARMONY, FL 34773-6193

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390
Investor	Possibly a Property Investor

Mortgage

Document Number	0107911425
Date	Mar 21, 2025
Instrument	10791/1425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

December 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 13, 2022
Property Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390
Document Number	0103591695
Book / Page	10359 / 1695
Map Reference	MB 86 PG 38-45
Instrument Date	Dec 12, 2022
Instrument	2022133804
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,357.50
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	Joint Tenants with Right of Survivorship
Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390

Mortgage

Document Number	0103591697
Date	Dec 13, 2022
Instrument	10359/1697

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 8, 2022
Property Address	2186 SWINSTEAD DR, SANFORD, FL 32773-7390
Document Number	0102551570
Book / Page	10255 / 1570
Map Reference	MB 86 PG 38-45
Instrument Date	May 24, 2022
Instrument	2022067854
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
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

The 2025 property tax bill for 2186 Swinstead Dr was $9,778.

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	$9,778.00	$491,825	$541,571 Land $115,000 Building $426,571
2023	$7,486.00 (+387.69%) Homeowner's exemption	$464,043 (+439.58%)	$464,043 (+439.58%) Land $105,000 Building $359,043
2022	$1,535.00	$86,000 Land $86,000	$86,000 Land $86,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2186 Swinstead Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2008.

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 File 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

Wildfire risk around 2186 Swinstead Dr is high, ranking above 79% of the US, with a 0.5% annual chance of 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

Nearby Properties on Swinstead Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures