Seminole County property record for 3940 Silverstream Ter, Sanford, FL 32771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,626 sqft · built 2019 |
| Owner | Individual Name on Record |
| Last Sale | $218,990 (Sep 2019) |
| Tax Bill | $5,518 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-19-31-5VH-0000-0100 |
| Primary APN | 33-19-31-5VH-0000-0100 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| 2nd Floor Area | 1,520 sqft |
| Upper Floors Area | 1,520 sqft |
| Interior Walls | Wallboard/Drywall |
| 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 | 110 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3940 SILVERSTREAM TER |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32771-4009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10 RIVERBEND AT CAMERON HEIGHTS PLAT BOOK {83} PAGES {31-38} |
| Legal Range | 31 |
| Legal Township | 19 |
| Legal Section | 33 |
| Legal Subdivision | RIVERBEND AT CAMERON HEIGHTS |
| Legal Lot Number | 10 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 21100 |
Source: Seminole County records, as of December 5, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3383 HAMMOND PT, SANFORD, FL 32771-9667 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2022 | Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| Sep 23, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on Record |
| Deed Sale | Sep 23, 2019 · Amount on Record |
| Deed Document Number | 2019102911 |
| Deed Book / Page | 09441 / 0890 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Document Number | 0101421785 |
|---|---|
| Date | Jan 11, 2022 |
| Book Page | 10142/1785 |
| Instrument | 2022004094 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Dec 30, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Document Number | 0098700509 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 9870/509 |
| Instrument | 2021032408 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Sep 23, 2019 |
| Property Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Document Number | 0094410890 |
| Book / Page | 09441 / 0890 |
| Map Reference | MB 83 PG 31-38 |
| Instrument Date | Sep 18, 2019 |
| Instrument | 2019102911 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,233.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 3940 SILVERSTREAM TER, SANFORD, FL 32771-4009 |
| Document Number | 0009441891 |
|---|---|
| Date | Sep 23, 2019 |
| Instrument | 09441/891 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
Source: Seminole County assessment roll, as of July 1, 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 | $5,518.00 (+24.31%) | $405,131 (+15.57%) | $405,131 (-2.09%) Land $85,000 Building $320,131 |
| 2023 | $4,439.00 (+2.54%) Homeowner's exemption | $350,545 (+3%) | $413,793 (+14.06%) Land $85,000 Building $328,793 |
| 2022 | $4,329.00 Homeowner's exemption | $340,335 | $362,773 Land $75,000 Building $287,773 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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