Seminole County property record for 3923 Saltmarsh Loop, Sanford, FL 32773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,844 sqft · built 2018 |
| Owner | Individual Name on File |
| Last Sale | $243,000 (Nov 2018) |
| Tax Bill | $3,857 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-31-502-0000-1740 |
| Primary APN | 17-20-31-502-0000-1740 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,844 sqft Living Area |
| 1st Floor Area | 748 sqft |
| 2nd Floor Area | 1,096 sqft |
| Upper Floors Area | 1,096 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3923 SALTMARSH LOOP |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32773-7097 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 174 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 | 174 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1101 |
| Census Tract | 21000 |
Source: Seminole County records · APN 17-20-31-502-0000-1740
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 |
|---|---|
| Mailing Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC |
| Nov 02, 2018 | Special Warranty Deed, Subdivision Related Transfer FIDELITY NATIONAL TITLE OF F |
| Jan 19, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2018 · Amount on Record |
| Deed Sale | Nov 02, 2018 · Amount on Record |
| Deed Document Number | 2018125759 |
| Deed Book / Page | 09242 / 1999 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Document Number | 0099430388 |
|---|---|
| Date | May 27, 2021 |
| Book Page | 9943/388 |
| Instrument | 2021070827 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Nov 02, 2018 |
| Property Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Document Number | 0092421999 |
| Book / Page | 09242 / 1999 |
| Map Reference | MB81 PG93-102 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 2018125759 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIDELITY NATIONAL TITLE OF F |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,701.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 19, 2018 |
| Property Address | 3923 SALTMARSH LOOP, SANFORD, FL 32773-7097 |
| 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 | $3,857.00 (+12.94%) Homeowner's exemption | $248,827 (+5.99%) | $352,988 (+1.36%) Land $88,000 Building $264,988 |
| 2023 | $3,415.00 (+3.08%) Homeowner's exemption | $234,771 (+3%) | $348,241 (+21.63%) Land $88,000 Building $260,241 |
| 2022 | $3,313.00 Homeowner's exemption | $227,933 | $286,317 Land $72,000 Building $214,317 |
Source: FEMA National Flood Hazard Layer as of November 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 192 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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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