Seminole County property record for 3878 Saltmarsh Loop, Sanford, FL 32773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,844 sqft · built 2018 |
| Lot Size | 0.111 acres (4,845 sqft) |
| Owner | Individual Name on File |
| Last Sale | $414,000 (Jul 2023) |
| Tax Bill | $6,458 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-31-502-0000-0290 |
| Primary APN | 17-20-31-502-0000-0290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,844 sqft Living Area |
| Gross Area | 2,244 sqft |
| 1st Floor Area | 748 sqft |
| Upper Floors Area | 1,096 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,845 sqft (0.111 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3878 SALTMARSH LOOP |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32773-7094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 WYNDHAM PRESERVE PB 81 PGS 93-102 |
| Legal Subdivision | WYNDHAM PRESERVE |
| Legal Lot Number | 29 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1099 |
| Census Tract | 21000 |
3878 Saltmarsh Loop is owned and occupied by an individual who bought it in July 2023.
Source: Seminole County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3878 SALTMARSH LOOP, SANFORD, FL 32773-7094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 5, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 13, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Jan 19, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2023 · Amount on File |
| Deed Sale | Jul 5, 2023 · Amount on File |
| Prior Sale | Sep 13, 2018 · Amount on File |
| Deed Document Number | 202361044 |
| Deed Book / Page | 10467 / 714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 5, 2023 |
| Property Address | 3878 SALTMARSH LOOP, SANFORD, FL 32773-7094 |
| Document Number | 0104670714 |
| Book / Page | 10467 / 714 |
| Map Reference | MB 81 PG 93-102 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 2023061044 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | MCT TITLE SERVICES LLC, CITY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,898.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3644 SUNGROVE CIR, SANFORD, FL 32771-9152 |
| Name | Verified Name |
|---|
| Document Number | 0010467716 |
|---|---|
| Date | Jul 5, 2023 |
| Instrument | 10467/716 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3878 SALTMARSH LOOP, SANFORD, FL 32773-7094 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0098161586 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 9816/1586 |
| Instrument | 2021006209 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Dec 1, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 13, 2018 |
| Property Address | 3878 SALTMARSH LOOP, SANFORD, FL 32773-7094 |
| Document Number | 0092091803 |
| Book / Page | 09209 / 1803 |
| Map Reference | MB81 PG93-102 |
| Instrument Date | Aug 27, 2018 |
| Instrument | 2018104843 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | IFIDELITY NATIONAL TITLE OF |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,701.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3878 SALTMARSH LOOP, SANFORD, FL 32773-7094 |
| Document Number | 2018104845 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 2018104845 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 19, 2018 |
| Property Address | 3878 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 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $26,544.00 |
| Additional |
|
| Name | Verified Name |
|---|
| 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 |
The 2025 property tax bill for 3878 Saltmarsh Loop was $6,458.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Sanford City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,458.00 | $356,255 Land $88,000 Building $268,255 | $356,255 Land $88,000 Building $268,255 |
| 2023 | $3,466.00 (+4.62%) Homeowner's exemption | $237,671 (+4.27%) | $351,141 (+22.64%) Land $88,000 Building $263,141 |
| 2022 | $3,313.00 Homeowner's exemption | $227,933 | $286,317 Land $72,000 Building $214,317 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3878 Saltmarsh Loop 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 |
|
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 risk around 3878 Saltmarsh Loop is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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.
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 |
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