3896 Saltmarsh Loop, Sanford, FL 32773 Property Records

Seminole County property record for 3896 Saltmarsh Loop, Sanford, FL 32773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,402 sqft · built 2019
Owner	2 Individual Names on Record
Last Sale	$320,000 (Oct 2019)
Tax Bill	$5,044 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-20-31-502-0000-0320`

Property Details

APN / Parcel Number

Primary APN	`17-20-31-502-0000-0320`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,402 sqft Living Area
1st Floor Area	1,184 sqft
2nd Floor Area	1,218 sqft
Upper Floors Area	1,218 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3896 SALTMARSH LOOP
City	SANFORD
State	FL
Zip	32773-7094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 32 WYNDHAM PRESERVE PB 81 PGS 93-102
Legal Range	31
Legal Township	20
Legal Section	17
Legal Subdivision	WYNDHAM PRESERVE
Legal Tract	502
Legal Lot Number	32
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1099
Census Tract	21000

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 Record	2 Individual Names on Record
Mailing Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Oct 25, 2019	Grant Deed, Transfer · FHA Mortgage PARK SQUARE HM MTG LLC
Mar 16, 2018	Grant Deed, Transfer ATTORNEY ONLY
Mar 26, 2018	Loan Modification, Mortgage FIFTH THIRD BK/BOONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2019 · Amount on Record
Deed Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	2019116545
Deed Book / Page	09465 / 0512
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CENTURION TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094

Mortgage

Document Number	0100381613
Date	Sep 9, 2021
Book Page	10038/1613
Instrument	2021119666

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2036

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 25, 2019
Property Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094
Document Number	0094650512
Book / Page	009465 / 000512
Instrument Date	Sep 25, 2019
Instrument	116545
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	PSH TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3896 SALTMARSH LOOP SANFORD FL 327737094, SANFORD, FL 32773-7094

Mortgage

Document Number	94650514
Date	Oct 25, 2019
Book Page	009465/000514
Instrument	116546

Lender

Name	PARK SQUARE HM MTG LLC
Address	ORLANDO, FL 32811

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 16, 2018
Property Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094
Document Number	0090930081
Book / Page	009093 / 000081
Instrument Date	Mar 14, 2018
Instrument	29301
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$7,896.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5200 VINELAND RD #100 ORLANDO FL 328117674, 100, ORLANDO, FL 32811-7674
Investor	Possibly a Property Investor

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Recording Date	Mar 26, 2018
Property Address	3896 SALTMARSH LOOP, SANFORD, FL 32773-7094
Document Number	0090970664
Book / Page	009097 / 000664
Instrument Date	Mar 14, 2018
Instrument	32323
Transaction Type	Mortgage
Record Updated	Apr 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5200 VINELAND RD #200 ORLANDO FL 328117674, 200, ORLANDO, FL 32811-7674
Investor	Possibly a Property Investor

Mortgage

Document Number	90970664
Date	Mar 26, 2018
Book Page	009097/000664
Instrument	32323

Lender

Name	FIFTH THIRD BK/BOONE
Type	Bank
Address	3344 PEACHTREE RD NE, ATLANTA, GA 30326-4801

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,044.00 (+12.56%) Homeowner's exemption	$312,455 (+5.99%)	$443,232 (+8.31%) Land $88,000 Building $355,232
2023	$4,481.00 (+4.94%) Homeowner's exemption	$294,805 (+4.72%)	$409,232 (+17%) Land $88,000 Building $321,232
2022	$4,270.00 Homeowner's exemption	$281,525	$349,773 Land $72,000 Building $277,773

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct 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 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Starlink Satellite	280 / 30

May also be available: Spectrum.

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