Seminole County property record for 3895 Silverstream Ter, Sanford, FL 32771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,516 sqft · built 2021 |
| Lot Size | 0.106 acres (4,620 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jun 2021) |
| Tax Bill | $3,760 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-19-31-517-0000-3550 |
| Primary APN | 33-19-31-517-0000-3550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 1,915 sqft |
| 1st Floor Area | 1,516 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,620 sqft (0.106 acres) |
| Garage Type | Attached |
| Garage Area | 399 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3895 SILVERSTREAM TER |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32771-9673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 355 RIVERBEND AT CAMERON HEIGHTS PHASE 3 PLAT BOOK 85 PAGES 72-77 |
| Legal Subdivision | RIVERBEND AT CAMERON HEIGHTS PHASE 3 |
| Legal Lot Number | 355 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 21100 |
3895 Silverstream Ter is owned and occupied by two individuals who bought it in June 2021.
Source: Seminole County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3895 SILVERSTREAM TER, SANFORD, FL 32771-9673 |
| 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.
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 24, 2021 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2021 · Amount on File |
| Deed Sale | Jun 24, 2021 · Amount on File |
| Deed Document Number | 202185033 |
| Deed Book / Page | 9970 / 1815 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3895 SILVERSTREAM TER, SANFORD, FL 32771-9673 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3895 SILVERSTREAM TER, SANFORD, FL 32771-9673 |
| Document Number | 0109560933 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 10956/933 |
| Instrument | 2025127302 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 24, 2021 |
| Property Address | 3895 SILVERSTREAM TER, SANFORD, FL 32771-9673 |
| Document Number | 0099701815 |
| Book / Page | 9970 / 1815 |
| Map Reference | MB 85 PG 72-77 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 2021085033 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 25, 2023 |
| Title Company | DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10192 DOWDEN RD, ORLANDO, FL 32832-5128 |
| Name | Verified Name |
|---|---|
| Address | 3895 SILVERSTREAM TER, SANFORD, FL 32771-9673 |
| Document Number | 0099701816 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 9970/1816 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2025 property tax bill for 3895 Silverstream Ter was $3,760 with exemptions applied.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,760.00 Homeowner's exemption Veteran's exemption | $298,476 Land $80,000 Building $218,476 | $298,476 Land $80,000 Building $218,476 |
| 2023 | $3,930.00 (+5.33%) Homeowner's exemption | $317,357 (+24%) | $317,357 (+16.41%) Land $68,000 Building $249,357 |
| 2022 | $3,731.00 | $255,932 | $272,624 Land $58,000 Building $214,624 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3895 Silverstream Ter in Zone X, an area of minimal flood risk, though there have been 17 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 56 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 17 (2008–2024) |
| Claims Outside the SFHA | 7 of 17 |
| 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 3895 Silverstream Ter is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
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 441 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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