Seminole County property record for 3962 Saltmarsh Loop, Sanford, FL 32773
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,076 sqft · built 2018 |
| Owner | Individual Name on Record |
| Last Sale | $265,460 (Dec 2018) |
| Tax Bill | $4,245 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Oct 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-20-31-502-0000-0430 |
| Primary APN | 17-20-31-502-0000-0430 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,076 sqft Living Area |
| 1st Floor Area | 1,314 sqft |
| 2nd Floor Area | 762 sqft |
| Upper Floors Area | 762 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 | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3962 SALTMARSH LOOP |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32773-7096 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 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 | 43 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 1 |
| Census Block | 1099 |
| Census Tract | 21000 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU |
| Oct 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Dec 11, 2018 | Special Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Dec 1, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on Record |
| Deed Sale | Dec 11, 2018 · Amount on Record |
| Deed Document Number | 2018139212 |
| Deed Book / Page | 09264 / 0050 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0109750177 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 10975/177 |
| Instrument | 2026009792 |
| Name | MIDFLORIDA CU |
|---|---|
| Type | Credit Union |
| Address | LAKELAND, FL 33802 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Name | Verified Name |
|---|
| Document Number | 0094611116 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 09461/1116 |
| Instrument | 2019114276 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 0097540673 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 9754/673 |
| Instrument | 2020126974 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FISKDALE, MA 01518 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Dec 11, 2018 |
| Property Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 0092640050 |
| Book / Page | 09264 / 0050 |
| Map Reference | MB81 PG93 |
| Instrument Date | Nov 1, 2018 |
| Instrument | 2018139212 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | PSH TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,858.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5200 VINELAND RD STE 200, 5200, ORLANDO, FL 32811-7674 |
| Name | Verified Name |
|---|---|
| Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 2018139213 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018139213 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Dec 1, 2017 |
| Property Address | 3962 SALTMARSH LOOP, SANFORD, FL 32773-7096 |
| Document Number | 0090330005 |
| Book / Page | 009033 / 000005 |
| Instrument Date | Nov 29, 2017 |
| Instrument | 121544 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,376.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5200 VINELAND RD #100 ORLANDO FL 328117674, 100, ORLANDO, FL 32811-7674 |
| Investor | Possibly a Property Investor |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Municipality | Sanford City |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,245.00 (+12.81%) Homeowner's exemption | $269,623 (+5.99%) | $391,241 (+1.39%) Land $88,000 Building $303,241 |
| 2023 | $3,763.00 (+2.98%) Homeowner's exemption | $254,392 (+3%) | $385,876 (+5.19%) Land $88,000 Building $297,876 |
| 2022 | $3,654.00 Homeowner's exemption | $246,983 | $366,845 Land $72,000 Building $294,845 |
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 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 |
|
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 | High above 70% of the US · above 52% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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