Seminole County property record for 403 W 18th St, Sanford, FL 32771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,206 sqft · built 1920 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Oct 2024) |
| Tax Bill | $4,167 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-19-30-506-0000-0640 |
| Primary APN | 36-19-30-506-0000-0640 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,206 sqft Living Area |
| 1st Floor Area | 1,206 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,273 sqft (0.144 acres) |
| Lot Dimensions | 123 ft deep x 51 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 403 W 18TH ST |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32771-3814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | E 1.66 FT OF LOT 64 + ALL LOT 65 SANFORD HEIGHTS PB 2 PG 62 |
| Legal Range | 30E |
| Legal Township | 19S |
| Legal Section | 36 |
| Legal Subdivision | SANFORD HEIGHTS |
| Legal Tract | 506 |
| Legal Lot Number | 64,65 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 20301 |
403 W 18th St is owned and occupied by two individuals who bought it in October 2024.
Source: Seminole County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 17, 2020 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Oct 9, 2019 | Warranty Deed, Transfer STONEBRIDGE TITLE GROUP LLC |
| Oct 14, 2019 | Special Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2024 · Amount on File |
| Deed Sale | Oct 8, 2024 · Amount on File |
| Prior Sale | Apr 17, 2020 · Amount on File |
| Deed Document Number | 202491400 |
| Deed Book / Page | 10708 / 1397 |
| Prior Transfer Date | Jul 19, 2004 |
| Prior Transfer Doc | 0054740785 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Document Number | 0109260314 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 10926/314 |
| Instrument | 2025108818 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Apr 17, 2020 |
| Property Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Document Number | 0095830228 |
| Book / Page | 009583 / 000228 |
| Instrument Date | Apr 16, 2020 |
| Instrument | 41205 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 403 W L8TH ST SANFORD FL 32771, SANFORD, FL 32771 |
| Document Number | 95830231 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 009583/000231 |
| Instrument | 41206 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 9, 2019 |
| Property Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Document Number | 0094530738 |
| Book / Page | 009453 / 000738 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 109548 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2019 |
| Title Company | STONEBRIDGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $945.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2699 LEE RD #120 WINTER PARK FL 327891738, 120, WINTER PARK, FL 32789-1738 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 14, 2019 |
| Property Address | 403 W 18TH ST, SANFORD, FL 32771-3814 |
| Document Number | 0094560258 |
| Book / Page | 09456 / 0258 |
| Map Reference | MB 2 PG 62 |
| Instrument Date | Oct 3, 2019 |
| Instrument | 2019111176 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STONEBRIDGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,049.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2699 LEE RD STE 110, 2699, WINTER PARK, FL 32789-1738 |
| Name | Verified Name |
|---|---|
| Address | 3422 CARUSO PL, OVIEDO, FL 32765-9020 |
| Document Number | 0009456262 |
|---|---|
| Date | Oct 14, 2019 |
| Instrument | 09456/262 |
| Name | CAPITAL FUNDING |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Nov 1, 2020 |
The 2025 property tax bill for 403 W 18th St was $4,167.
Source: Seminole County assessment roll, as of December 29, 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 | $4,167.00 | $273,175 Land $56,304 Building $216,871 | $273,175 Land $56,304 Building $216,871 |
| 2023 | $3,438.00 (+3.06%) Homeowner's exemption | $236,085 (+3%) | $249,290 (+1.78%) Land $46,920 Building $202,370 |
| 2022 | $3,336.00 Homeowner's exemption | $229,209 | $244,929 Land $44,574 Building $200,355 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 W 18th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1992.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (1992) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1992 · rainfall accumulation |
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 risk around 403 W 18th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 381 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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