2305 Kelmscott Ct, Sanford, FL 32773 Property Records

Seminole County property record for 2305 Kelmscott Ct, Sanford, FL 32773

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,892 sqft · built 2019
Owner	Individual Name on Record
Last Sale	$395,000 (Mar 2023)
Tax Bill	$5,701 (2025)
Deeds & Mortgages	Mar 2023 Sale Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-5VC-0000-0710`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-5VC-0000-0710`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	1,892 sqft Living Area
1st Floor Area	778 sqft
2nd Floor Area	1,114 sqft
Upper Floors Area	1,114 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Combination
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2305 KELMSCOTT CT
City	SANFORD
State	FL
Zip	32773-7116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 71 KENSINGTON RESERVE PB 81 PGS 86-92
Legal Range	31
Legal Township	20
Legal Section	17
Legal Subdivision	KENSINGTON RESERVE
Legal Lot Number	71
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	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Dec 10, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 25, 2019	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Oct 30, 2018	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2023 · Amount on Record
Deed Sale	Mar 8, 2023 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	2023021254
Deed Book / Page	10402 / 80
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 8, 2023
Property Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0104020080
Book / Page	10402 / 80
Map Reference	MB 81 PG 86-92
Instrument Date	Mar 7, 2023
Instrument	2023021254
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$2,765.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3074 LANDINGS CIR APT 112, 112, ORLANDO, FL 32824-0002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0102870540
Date	Jul 28, 2022
Book Page	10287/540
Instrument	2022087143

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0097841441
Date	Dec 10, 2020
Book Page	9784/1441
Instrument	2020142722

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Feb 25, 2019
Property Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0093030515
Book / Page	09303 / 0515
Map Reference	MB 81 PG 86-92
Instrument Date	Feb 19, 2019
Instrument	2019019585
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,078.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH16, 4307, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Investor	Possibly a Property Investor

Mortgage

Document Number	2019019586
Date	Feb 25, 2019
Instrument	2019019586

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 30, 2018
Property Address	2305 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0092401331
Book / Page	009240 / 001331
Instrument Date	Oct 8, 2018
Instrument	124162
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$924.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1450 CENTREPARK BLVD #340 WEST PALM BEACH FL 334017443, 340, WEST PALM BEACH, FL 33401-7443
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	$5,701.00 (+40.18%) Homeowner's exemption	$359,124 (+32.28%)	$359,124 (-4.9%) Land $100,000 Building $259,124
2023	$4,067.00 (+2.96%) Homeowner's exemption	$271,487 (+3%)	$377,644 (+13.19%) Land $100,000 Building $277,644
2022	$3,950.00 Homeowner's exemption	$263,580	$333,624 Land $83,000 Building $250,624

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 75% of the US · above 61% 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: Spectrum.

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