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2970 Gipper Cir, Sanford, FL 32773 Property Records

Seminole County property record for 2970 Gipper Cir, Sanford, FL 32773

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,191 sqft · built 2018
Owner2 Individual Names on Record
Last Sale$314,600 (Dec 2018)
Tax Bill$5,017 (2025)
Deeds & MortgagesApr 2023 Line of Credit
Mar 2022 Line of Credit
+ 4 more
Flood ZoneZone X (minimal risk)
APN22-20-30-520-0000-0020

Property Details

APN / Parcel Number

Primary APN22-20-30-520-0000-0020

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories2 Stories
Building Area2,191 sqft Living Area
1st Floor Area902 sqft
2nd Floor Area1,289 sqft
Upper Floors Area1,289 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialCombination
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Garage Area395 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area164 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address2970 GIPPER CIR
CitySANFORD
StateFL
Zip32773-6062
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 2 REAGAN POINTE PB 81 PGS 45-52
Legal Range30
Legal Township20
Legal Section22
Legal SubdivisionREAGAN POINTE
Legal Tract520
Legal Lot Number2
JurisdictionSEMINOLE FL
Township / Civil DivisionSANFORD
Census Block Group3
Census Block3014
Census Tract20905

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 Record2 Individual Names on Record
Mailing Address2970 GIPPER CIR, SANFORD, FL 32773-6062
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 25, 2023Deed of Trust, Mortgage · Line of Credit
TRUSTCO BANK
Mar 4, 2022Deed of Trust, Mortgage · Line of Credit
BANK OF AMERICA NA
Dec 15, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOMEOWNERS FINANCIAL GROUP USA LLC
Dec 5, 2018Warranty Deed, Subdivision Related Transfer · Conventional with PMI
BANK OF AMERICA
May 16, 2018Loan Modification, Mortgage · Line of Credit
COMPASS BK
May 16, 2018Grant Deed, Transfer
TOWN SQUARE TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 5, 2018 · Amount on Record
Deed SaleDec 5, 2018 · Amount on Record
Prior SaleMay 16, 2018 · Amount on Record
Deed Document Number2018136634
Deed Book / Page09259 / 0928
Record UpdatedJun 8, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Transaction TypeMortgage
Record UpdatedMay 5, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address2970 GIPPER CIR, SANFORD, FL 32773-6062

Mortgage

Document Number0104271381
DateApr 25, 2023
Book Page10427/1381
Instrument2023037403
Lender
NameTRUSTCO BANK
TypeBank
AddressLONGWOOD, FL 32750
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueApr 19, 2043
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Transaction TypeMortgage
Record UpdatedMar 21, 2022
Title CompanyTITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

NameVerified Name
Address2970 GIPPER CIR, SANFORD, FL 32773-6062

Mortgage

Document Number0101841238
DateMar 4, 2022
Book Page10184/1238
Instrument2022026969
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueFeb 19, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2970 GIPPER CIR, SANFORD, FL 32773-6062

Mortgage

Document Number0097890005
DateDec 15, 2020
Book Page9789/5
Instrument2020145008
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
AddressSCOTTSDALE, AZ 85254
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

December 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateDec 5, 2018
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Document Number0092590928
Book / Page009259 / 000928
Instrument DateNov 26, 2018
Instrument136634
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 24, 2018
Title CompanyTOWN SQUARE TITLE LIMITED, TOWN SQUARE TITLE LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,202.20
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2970 GIPPER CIR SANFORD FL 327736062, SANFORD, FL 32773-6062

Mortgage

Document Number92590930
DateDec 5, 2018
Book Page009259/000930
Instrument136635
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 4, 2048

May 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSEMINOLE FL
Recording DateMay 16, 2018
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Document Number0091340144
Book / Page009134 / 000144
Instrument DateMay 14, 2018
Instrument55696
Transaction TypeMortgage
Record UpdatedJun 20, 2018
Title CompanyTOWN SQUARE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1111 N POST OAK RD HOUSTON TX 770557310, HOUSTON, TX 77055-7310
InvestorPossibly a Property Investor

Mortgage

Document Number91340144
DateMay 16, 2018
Book Page009134/000144
Instrument55696
Lender
NameCOMPASS BK
TypeBank
Address2200 POST OAK BLVD # 20TH, HOUSTON, TX 77056-4700
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSEMINOLE FL
Recording DateMay 16, 2018
Property Address2970 GIPPER CIR, SANFORD, FL 32773-6062
Document Number0091340142
Book / Page009134 / 000142
Instrument DateMay 11, 2018
Instrument55695
Transaction TypeTransfer
Record UpdatedJun 18, 2018
Title CompanyTOWN SQUARE TITLE

Transaction

AmountAmount Recorded
Tax$573.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1111 N POST OAK RD HOUSTON TX 770557310, HOUSTON, TX 77055-7310
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalitySanford City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,017.00 (+12.56%) Homeowner's exemption$311,048 (+5.99%)$368,697 (-3.99%) Land $90,000 Building $278,697
2023$4,457.00 (+2.91%) Homeowner's exemption$293,478 (+3%)$384,026 (+3.75%) Land $90,000 Building $294,026
2022$4,331.00 Homeowner's exemption$284,930$370,139 Land $65,000 Building $305,139

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies7 in force

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 RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemSEMINOLE COUNTY NORTHEAST
serves 19,925 people · EPA ID FL3590473
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 108 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

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