845 E 20th St, Sanford, FL 32771 Property Records

Seminole County property record for 845 E 20th St, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,390 sqft · built 1950
Lot Size	0.325 acres (14,144 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Mar 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-19-31-512-0000-0200`

Property Details

APN / Parcel Number

Primary APN	`31-19-31-512-0000-0200`
Alternative APN	`19313151200000200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,390 sqft Living Area
1st Floor Area	1,390 sqft
Flooring	Parquet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,144 sqft (0.325 acres)
Lot Dimensions	136 ft deep x 104 ft wide
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	845 E 20TH ST
City	SANFORD
State	FL
Zip	32771-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LOTS 20 + 21 MAGNOLIA HEIGHTS PB 5 PG 76
Legal Range	31E
Legal Township	19S
Legal Section	31
Legal Subdivision	MAGNOLIA HEIGHTS
Legal Tract	512
Legal Lot Number	20,21
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2027
Census Tract	20202

Owner

Source: Seminole County records, as of June 4, 2026

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
Mailing Address	845 E 20TH ST, SANFORD, FL 32771-3509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CREDIT UNION
Mar 4, 2026	Warranty Deed, Transfer TRUST TITLE GROUP LLC, TRUSTED TITLE PROS LLC
Nov 6, 2025	Warranty Deed, Transfer UNKNOWN, COOP TITLE AGENCY OF FL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Mar 4, 2026 · Amount on Record
Deed Document Number	202650362
Deed Book / Page	11041 / 1855
Prior Transfer Date	May 15, 2026
Prior Transfer Doc	0110411855
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 20, 2026
Property Address	845 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0110411855
Book / Page	11041 / 1855
Instrument Date	May 15, 2026
Instrument	202650362
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	COBBLESTONE TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243,915.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	845 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0000050363,
Date	May 20, 2026
Instrument	202650363

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 4, 2026
Property Address	845 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0109920648
Book / Page	10992 / 648
Map Reference	MB 5 PG 76
Instrument Date	Feb 11, 2026
Instrument	2026020616
Transaction Type	Transfer
Record Updated	Mar 16, 2026
Title Company	TRUST TITLE GROUP LLC, TRUSTED TITLE PROS LLC

Transaction

Amount	Amount Recorded
Tax	$2,051.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1707 ORLANDO CENTRAL PKWY STE 410, 410, ORLANDO, FL 32809-5783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17925 LAKE PICKETT RD, ORLANDO, FL 32820-1469

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 6, 2025
Property Address	845 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0109301760
Book / Page	10930 / 1760
Map Reference	MB 5 PG 76
Instrument Date	Nov 3, 2025
Instrument	2025111377
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	UNKNOWN, COOP TITLE AGENCY OF FL INC

Transaction

Amount	Amount Recorded
Tax	$1,190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	70 EAGLE PT S, OSTEEN, FL 32764-8503

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1707 ORLANDO CENTRAL PKWY STE 410, 410, ORLANDO, FL 32809-5783
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$128,527 (+5.99%)	$224,661 (+6.66%) Land $96,824 Building $127,837
2023	Homeowner's exemption	$121,267	$210,633 Land $86,632 Building $124,001

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	6 (1996–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Ian, Sep 2022 · 2 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 400 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	1,000 / 1,000

May also be available: Verizon.

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