3848 Saltmarsh Loop, Sanford, FL 32773 Property Records

Seminole County property record for 3848 Saltmarsh Loop, Sanford, FL 32773 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,069 sqft · built 2018
Lot Size	0.111 acres (4,815 sqft)
Owner	Individual Name on File
Last Sale	$268,990 (Dec 2018)
Tax Bill	$3,879 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-502-0000-0240`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-502-0000-0240`
Alternative APN	`20311750200000240`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,069 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	819 sqft
Upper Floors Area	1,250 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,815 sqft (0.111 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3848 SALTMARSH LOOP
City	SANFORD
State	FL
Zip	32773-7094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 WYNDHAM PRESERVE PB 81 PGS 93-102
Legal Subdivision	WYNDHAM PRESERVE
Legal Lot Number	24
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1099
Census Tract	21000

Owner

Source: Seminole County records · APN 17-20-31-502-0000-0240

Assessment roll updated December 29, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 29, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 21, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC
Jan 19, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	2018143909
Deed Book / Page	9271 / 921
Last Transfer Date	Jan 06, 2023
Transfer Doc	0000001639
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094

Mortgage

Document Number	0104660366
Date	Jun 30, 2023
Book Page	10466/366
Instrument	2023060389

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Jan 01, 2049

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094
Transaction Type	Mortgage
Record Updated	Apr 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094

Mortgage

Document Number	0104121468
Date	Mar 29, 2023
Book Page	10412/1468
Instrument	2023028153

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jan 01, 2049

December 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 21, 2018
Property Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094
Document Number	0092710921
Book / Page	09271 / 0921
Map Reference	MB 81 PG 93-102
Instrument Date	Dec 17, 2018
Instrument	2018143909
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094

Mortgage

Document Number	2018143910
Date	Dec 21, 2018
Instrument	2018143910

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 19, 2018
Property Address	3848 SALTMARSH LOOP, SANFORD, FL 32773-7094
Document Number	0090610416
Book / Page	009061 / 000416
Instrument Date	Jan 19, 2018
Instrument	7168
Transaction Type	Transfer
Record Updated	Feb 05, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$26,544.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1064 GREENWOOD BLVD #124 LAKE MARY FL 327465419, 124, LAKE MARY, FL 32746-5419
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,879.00 (+9.05%)	$257,287 (+5.99%)	$383,283 (+1.42%) Land $88,000 Building $295,283
2023	$3,557.00 (+3.04%) Homeowner's exemption	$242,753 (+3%)	$377,907 (+21.62%) Land $88,000 Building $289,907
2022	$3,452.00 Homeowner's exemption	$235,683	$310,725 Land $72,000 Building $238,725

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170210001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 52 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Sep 2022 · 3 claims Tropical Storm Fay, Aug 2008 · 9 claims

Wildfire

Wildfire Risk	High above 71% of the US · above 52% of Florida
Wildfire Likelihood	About 1 in 329 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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