Seminole County property record for 3920 Saltmarsh Loop, Sanford, FL 32773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,069 sqft · built 2018 |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Jul 2025) |
| Tax Bill | $6,990 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-31-502-0000-0360 |
| Primary APN | 17-20-31-502-0000-0360 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,069 sqft Living Area |
| 1st Floor Area | 819 sqft |
| 2nd Floor Area | 1,250 sqft |
| Upper Floors Area | 1,250 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 42 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3920 SALTMARSH LOOP |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32773-7096 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 36 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 | 36 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1099 |
| Census Tract | 21000 |
Source: Seminole County records · APN 17-20-31-502-0000-0360
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3929 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage FBC MORTGAGE LLC |
| Nov 29, 2018 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Jan 19, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on Record |
| Deed Sale | Jul 25, 2025 · Amount on Record |
| Prior Sale | Nov 29, 2018 · Amount on Record |
| Deed Document Number | 2025072791 |
| Deed Book / Page | 10867 / 1251 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3920 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3920 SALTMARSH LOOP, AL |
| Document Number | 0101001790 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 10100/1790 |
| Instrument | 2021151767 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | NEW YORK, NY 10007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3920 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094990650 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 09499/0650 |
| Instrument | 2019136235 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Nov 29, 2018 |
| Property Address | 3920 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 0092551970 |
| Book / Page | 09255 / 1970 |
| Map Reference | MB81 PG93-102 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 2018134489 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,914.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1405 OLD ALABAMA RD STE 200, 1405, ROSWELL, GA 30076-2168 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3920 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 0092551972 |
|---|---|
| Date | Nov 29, 2018 |
| Book Page | 09255/1972 |
| Instrument | 2018134490 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 19, 2018 |
| Property Address | 3920 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| 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 |
| Amount | Amount Recorded |
|---|---|
| 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 |
Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Sanford City |
| Unified School District | Seminole County School District (PK - 12) |
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 | $6,990.00 (+96.51%) | $386,433 (+59.19%) | $386,433 (+2.26%) Land $88,000 Building $298,433 |
| 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 |
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
| 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 |
|
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 234 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Spectrum.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | SANFORD, CITY OF (2 WPS) serves 79,715 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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