3986 Silverstream Ter, Sanford, FL 32771 Property Records

Seminole County property record for 3986 Silverstream Ter, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,457 sqft · built 2019
Owner	2 Individual Names on File
Last Sale	$289,990 (Jun 2019)
Tax Bill	$3,407 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-19-31-5VH-0000-0210`

Property Details

APN / Parcel Number

Primary APN	`33-19-31-5VH-0000-0210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,457 sqft Living Area
1st Floor Area	1,032 sqft
2nd Floor Area	1,425 sqft
Upper Floors Area	1,425 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
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	35 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3986 SILVERSTREAM TER
City	SANFORD
State	FL
Zip	32771-4010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 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	21
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1047
Census Tract	21100

Owner

3986 Silverstream Ter is owned and occupied by two individuals who bought it in June 2019.

Source: Seminole County records, as of December 5, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3986 SILVERSTREAM TER, SANFORD, FL 32771-4010
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Deed Document Number	2019059004
Deed Book / Page	09366 / 1193
Record Updated	Jun 8, 2026

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jun 5, 2019
Property Address	3986 SILVERSTREAM TER, SANFORD, FL 32771-4010
Document Number	0093661193
Book / Page	009366 / 001193
Instrument Date	May 24, 2019
Instrument	59004
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 26, 2019
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3986 SILVERSTREAM TER SANFORD FL 327714010, SANFORD, FL 32771-4010

Mortgage

Document Number	93661194
Date	Jun 5, 2019
Book Page	009366/001194
Instrument	59005

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3986 Silverstream Ter was $3,407 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,407.00 Homeowner's exemption	$281,749	$380,627 Land $85,000 Building $295,627
2023	$3,311.00 (+2.63%) Homeowner's exemption	$265,834 (+3%)	$390,878 (+14.05%) Land $85,000 Building $305,878
2022	$3,226.00 Homeowner's exemption	$258,091	$342,713 Land $75,000 Building $267,713

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3986 Silverstream Ter in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 2008.

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 File 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	Hurricane Ian, Oct 2022 · 6 claims Hurricane Ian, Sep 2022 · 4 claims Tropical Storm Fay, Aug 2008 · 3 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

Wildfire risk around 3986 Silverstream Ter is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20