2323 Kelmscott Ct, Sanford, FL 32773 Property Records

Seminole County property record for 2323 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 File
Last Sale	$297,400 (Jun 2018)
Tax Bill	$4,798 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-5VC-0000-0730`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-5VC-0000-0730`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2323 KELMSCOTT CT
City	SANFORD
State	FL
Zip	32773-7116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 73 KENSINGTON RESERVE PB 81 PGS 86-92
Legal Range	31
Legal Township	20
Legal Section	17
Legal Subdivision	KENSINGTON RESERVE
Legal Lot Number	73
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1070
Census Tract	21000

Owner

2323 Kelmscott Ct is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116
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 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 15, 2019	Deed of Trust, Mortgage · Conventional with PMI FAIRWINDS CU
Jun 1, 2018	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Feb 21, 2018	Grant Deed, Transfer NVR SETTLEMENT SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Prior Sale	Feb 21, 2018 · Amount on File
Deed Document Number	2018062325
Deed Book / Page	09144 / 0557
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	0098741382
Date	Mar 17, 2021
Book Page	9874/1382
Instrument	2021034851

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0093581803
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 8, 2019
Title Company	APOLLO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2323 KELMSCOTT CT SANFORD FL 327737116, SANFORD, FL 32773-7116

Mortgage

Document Number	0093581803
Date	May 22, 2019
Book Page	009358/001803
Instrument	54134

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 21, 2049

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 1, 2018
Property Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0091440557
Book / Page	09144 / 0557
Map Reference	MB81 PG86-92
Instrument Date	May 29, 2018
Instrument	2018062325
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,081.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH6, 4307, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116

Mortgage

Document Number	2018062326
Date	Jun 1, 2018
Instrument	2018062326

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Feb 21, 2018
Property Address	2323 KELMSCOTT CT, SANFORD, FL 32773-7116
Document Number	0090790464
Book / Page	009079 / 000464
Instrument Date	Feb 12, 2018
Instrument	20136
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount on Record
Tax	$1,057.00
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

The 2025 property tax bill for 2323 Kelmscott Ct was $4,798 with a homeowner's exemption.

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 Homeowner's exemption	$299,274	$392,624 Land $100,000 Building $292,624
2023	$4,260.00 (+2.92%) Homeowner's exemption	$282,369 (+3%)	$444,770 (+12.54%) Land $100,000 Building $344,770
2022	$4,139.00 Homeowner's exemption	$274,145	$395,208 Land $84,000 Building $311,208

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

Flood

FEMA maps place 2323 Kelmscott Ct 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 2323 Kelmscott Ct is high, ranking above 72% of the US, with a 0.4% annual chance of 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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