3991 Silverstream Ter, Sanford, FL 32771 Property Records

Seminole County property record for 3991 Silverstream Ter, Sanford, FL 32771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,457 sqft · built 2019
Owner	Individual Name on File
Last Sale	$289,320 (Jul 2019)
Tax Bill	$3,631 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-19-31-5VH-0000-1090`

Property Details

APN / Parcel Number

Primary APN	`33-19-31-5VH-0000-1090`

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	3991 SILVERSTREAM TER
City	SANFORD
State	FL
Zip	32771-4032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 109 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	109
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	1
Census Block	1049
Census Tract	21100

Owner

Source: Seminole County records · APN 33-19-31-5VH-0000-1090

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
Co-owner	Verified Secondary Owner
Mailing Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Oct 06, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 01, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2019 · Amount on Record
Deed Sale	Jul 01, 2019 · Amount on Record
Deed Document Number	2019069721
Deed Book / Page	09385 / 0043
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032

Mortgage

Document Number	0103181556
Date	Sep 19, 2022
Book Page	10318/1556
Instrument	2022107208

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032
Document Number	0097301137
Instrument Date	Oct 06, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3991 SILVERSTREAM TER SANFORD FL 327714032, SANFORD, FL 32771-4032

Mortgage

Document Number	0097301137
Date	Oct 12, 2020
Book Page	009730/001137
Instrument	115011

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2050

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 01, 2019
Property Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032
Document Number	0093850043
Book / Page	09385 / 0043
Map Reference	MB 83 PG 31-38
Instrument Date	Jun 27, 2019
Instrument	2019069721
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 22, 2021
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,025.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3991 SILVERSTREAM TER, SANFORD, FL 32771-4032

Mortgage

Document Number	0093850044
Date	Jul 01, 2019
Book Page	09385/0044
Instrument	2019069722

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company
Address	AUSTIN, TX 78750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$3,631.00 (+3.39%) Homeowner's exemption	$297,721 (+5.99%)	$380,627 (-2.62%) Land $85,000 Building $295,627
2023	$3,512.00 (+2.63%) Homeowner's exemption	$280,903 (+3%)	$390,878 (+14.05%) Land $85,000 Building $305,878
2022	$3,422.00 Homeowner's exemption	$272,721	$342,713 Land $75,000 Building $267,713

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170211001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 56 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Milton
Claims By Storm	Hurricane Ian, Oct 2022 · 6 claims Hurricane Ian, Sep 2022 · 4 claims Tropical Storm Fay, Aug 2008 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 348 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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