2322 Kelmscott Ct, Sanford, FL 32773 Property Records

Seminole County property record for 2322 Kelmscott Ct, Sanford, FL 32773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,424 sqft · built 2018
Owner	Individual Name on Record
Last Sale	$314,800 (Oct 2018)
Tax Bill	$4,798 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Oct 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-5VC-0000-0770`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-5VC-0000-0770`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,424 sqft Living Area
1st Floor Area	1,084 sqft
2nd Floor Area	1,340 sqft
Upper Floors Area	1,340 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	296 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2322 KELMSCOTT CT
City	SANFORD
State	FL
Zip	32773-7116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 77 KENSINGTON RESERVE PB 81 PGS 86-92
Legal Range	31
Legal Township	20
Legal Section	17
Legal Subdivision	KENSINGTON RESERVE
Legal Lot Number	77
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	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Oct 12, 2020	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 30, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 22, 2018	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Jun 26, 2018	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Prior Sale	Jun 26, 2018 · Amount on Record
Deed Document Number	2018121296
Deed Book / Page	09236 / 0591
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0103870001
Date	Feb 8, 2023
Book Page	10387/1
Instrument	2023011598

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0097300905
Date	Oct 12, 2020
Book Page	9730/905
Instrument	2020114979

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Nov 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0097790965
Date	Dec 4, 2020
Book Page	9779/965
Instrument	2020140100

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Nov 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0101091476
Date	Nov 30, 2021
Book Page	10109/1476
Instrument	2021156122

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 22, 2018
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0092360591
Book / Page	09236 / 0591
Map Reference	MB81 PG86-92
Instrument Date	Oct 17, 2018
Instrument	2018121296
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	$2,203.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RDH, 4307, ORLANDO, FL 32811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	2018121297
Date	Oct 22, 2018
Instrument	2018121297

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 26, 2018
Property Address	2322 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0091601969
Book / Page	009160 / 001969
Instrument Date	Jun 18, 2018
Instrument	73434
Transaction Type	Transfer
Record Updated	Jul 16, 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	$4,798.00 (+12.63%) Homeowner's exemption	$299,274 (+5.99%)	$395,774 (-11.02%) Land $100,000 Building $295,774
2023	$4,260.00 (-10.49%) Homeowner's exemption	$282,369 (+3%)	$444,770 (+12.83%) Land $100,000 Building $344,770
2022	$4,759.00 Homeowner's exemption	$274,145	$394,208 Land $83,000 Building $311,208

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 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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