Seminole County property record for 520 Memory Ct, Sanford, FL 32773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,200 sqft · built 2021 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Feb 2021) |
| Tax Bill | $2,717 (2025) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-20-31-506-0000-011A |
| Primary APN | 06-20-31-506-0000-011A |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 7,000 sqft (0.16 acres) |
| Lot Dimensions | 100 ft deep x 70 ft wide |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 520 MEMORY CT |
|---|---|
| City | SANFORD |
| State | FL |
| Zip | 32773-5276 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 OF LOT 11 (LESS S 11 1/2 FT) LORDLAND PB 8 PG 89 |
| Legal Range | 31E |
| Legal Township | 20S |
| Legal Section | 06 |
| Legal Subdivision | LORDLAND |
| Legal Tract | 506 |
| Legal Lot Number | 11 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | SANFORD |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 20902 |
520 Memory Ct is owned and occupied by an individual who bought it in February 2021.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 520 MEMORY CT, SANFORD, FL 32773-5276 |
| 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.
| Date | Document |
|---|---|
| Feb 9, 2021 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Feb 11, 2020 | Warranty Deed, Construction Loan BOYD LN FNDG I LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2021 · Amount on File |
| Deed Sale | Feb 9, 2021 · Amount on File |
| Prior Sale | Feb 11, 2020 · Amount on File |
| Deed Document Number | 2021017488 |
| Deed Book / Page | 9840 / 385 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Feb 9, 2021 |
| Property Address | 520 MEMORY CT, SANFORD, FL 32773-5276 |
| Document Number | 0098400385 |
| Book / Page | 9840 / 385 |
| Map Reference | MB 8 PG 89 |
| Instrument Date | Feb 1, 2021 |
| Instrument | 2021017488 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Title Company | FIRST SIGNATURE TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3605 MEADOW BREEZE LOOP, OCOEE, FL 34761-4493 |
| Name | Verified Name |
|---|---|
| Address | 520 MEMORY CT, SANFORD, FL 32773-5276 |
| Document Number | 0009840387 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 9840/387 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Feb 11, 2020 |
| Property Address | 520 MEMORY CT, SANFORD, FL 32773-5276 |
| Document Number | 0095361737 |
| Book / Page | 009536 / 001737 |
| Instrument Date | Feb 6, 2020 |
| Instrument | 16141 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 2, 2020 |
| Title Company | AMS TITLE AGENCY AND ESCROW LLC, AMS TITLE AGCY & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $842.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3605 MEADOW BREEZE LOOP OCOEE FL 347614493, OCOEE, FL 34761-4493 |
| Document Number | 95361739 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 009536/001739 |
| Instrument | 16142 |
| Name | BOYD LN FNDG I LLC |
|---|---|
| Address | WINTER PARK, FL 32789 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 520 Memory Ct was $2,717 with a homeowner's exemption.
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 | $2,717.00 Homeowner's exemption | $187,749 | $196,219 Land $41,615 Building $154,604 |
| 2023 | $2,392.00 (+3.37%) Homeowner's exemption | $177,144 (+3%) | $184,593 (+0.81%) Land $38,745 Building $145,848 |
| 2022 | $2,314.00 Homeowner's exemption | $171,984 | $183,118 Land $38,745 Building $144,373 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 Memory Ct in Zone X, an area of minimal flood risk, though there have been 7 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 7 (2008–2025) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Nov 2025 |
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 520 Memory Ct is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL in parts of the area | 100 / 20 |
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