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3956 Saltmarsh Loop, Sanford, FL 32773 Property Records

Seminole County property record for 3956 Saltmarsh Loop, Sanford, FL 32773

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,726 sqft · built 2018
OwnerIndividual Name on Record
Last Sale$295,000 (Jul 2019)
Tax Bill$6,304 (2025)
Deeds & MortgagesJul 2019 Sale & Mortgage
Oct 2018 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN17-20-31-502-0000-0420

Property Details

APN / Parcel Number

Primary APN17-20-31-502-0000-0420

Interior

Bedrooms4 Beds
Full Baths3 Baths
Plumbing Fixtures10 Plumbing Fixtures
Stories2 Stories
Building Area1,726 sqft Living Area
1st Floor Area751 sqft
2nd Floor Area975 sqft
Upper Floors Area975 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco
Construction TypeConcrete Block
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Garage Area453 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area149 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address3956 SALTMARSH LOOP
CitySANFORD
StateFL
Zip32773-7096
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 42 WYNDHAM PRESERVE PB 81 PGS 93-102
Legal Range31
Legal Township20
Legal Section17
Legal SubdivisionWYNDHAM PRESERVE
Legal Tract502
Legal Lot Number42
JurisdictionSEMINOLE FL
Township / Civil DivisionSANFORD
Census Block Group1
Census Block1099
Census Tract21000

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 RecordIndividual Name on Record
Mailing Address3956 SALTMARSH LOOP, SANFORD, FL 32773-7096
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 22, 2019Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Oct 12, 2018Special Warranty Deed, Transfer · FHA Mortgage
FBC MORTGAGE LLC
Dec 1, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 22, 2019 · Amount on Record
Deed SaleJul 22, 2019 · Amount on Record
Prior SaleOct 12, 2018 · Amount on Record
Deed Document Number2019078174
Deed Book / Page09399 / 0320
Record UpdatedJun 8, 2026

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateJul 22, 2019
Property Address3956 SALTMARSH LOOP, SANFORD, FL 32773-7096
Document Number0093990320
Book / Page09399 / 0320
Map ReferenceMB 81 PG 93
Instrument DateJul 19, 2019
Instrument2019078174
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address383 SPRUCE PINE DR, 383, DEBARY, FL 32713-4804

Transferred To (Grantee/Buyer)

NameVerified Name
Address3956 SALTMARSH LOOP, SANFORD, FL 32773-7096

Mortgage

Document Number0009399322
DateJul 22, 2019
Instrument09399/322
Lender
NameUNITED WHOLESALE MORTGAGE
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2049

October 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionSEMINOLE FL
Recording DateOct 12, 2018
Property Address3956 SALTMARSH LOOP, SANFORD, FL 32773-7096
Document Number0092300045
Book / Page09230 / 0045
Map ReferenceMB81 PG93
Instrument DateSep 21, 2018
Instrument2018117401
Transaction TypeTransfer
Record UpdatedDec 22, 2021
Title CompanyPSH TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,729.70
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5200 VINELAND RD, 5200, ORLANDO, FL 32811-7658

Transferred To (Grantee/Buyer)

NameVerified Name
Address3956 SAKTNARSH LOOP, SANFORD, FL 32773

Mortgage

Document Number2018117402
DateOct 12, 2018
Instrument2018117402
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2048

December 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSEMINOLE FL
Recording DateDec 1, 2017
Property Address3956 SALTMARSH LOOP, SANFORD, FL 32773-7096
Document Number0090330005
Book / Page009033 / 000005
Instrument DateNov 29, 2017
Instrument121544
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$5,376.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5200 VINELAND RD #100 ORLANDO FL 328117674, 100, ORLANDO, FL 32811-7674
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
MunicipalitySanford City
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,304.00 (+13.32%)$348,454 (+1.29%)$348,454 (+1.29%) Land $88,000 Building $260,454
2023$5,563.00 (+10.16%)$344,004 (+12.45%)$344,004 (+5.71%) Land $88,000 Building $256,004
2022$5,050.00$305,917$325,422 Land $72,000 Building $253,422

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 52 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies52 in force
Nearby Flood Claims18 (2008–2024)
Claims Outside the SFHA6 of 18
Most Recent ClaimOct 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 RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemSANFORD, CITY OF (2 WPS)
serves 79,715 people · EPA ID FL3590205
Water SourceGroundwater
Last State InspectionMay 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityTotal trihalomethanes
resolved · Jul 2020
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 192 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

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