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

Seminole County property record for 849 E 20th St, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,000 sqft · built 1950
Lot Size	0.316 acres (13,770 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Nov 1994)
Tax Bill	$584 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage May 2026 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-19-31-512-0000-0180`

Property Details

APN / Parcel Number

Primary APN	`31-19-31-512-0000-0180`
Alternative APN	`19313151200000180`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Tile
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
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,770 sqft (0.316 acres)
Lot Dimensions	135 ft deep x 102 ft wide

Exterior Amenities

Porch	Enclosed/Unfinished Porch
Porch Area	352 sqft
Patio Area	1 sqft
Utility Building	183 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	849 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 18 + 19 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	18,19
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2027
Census Tract	20202

Owner

Source: Seminole County records, as of May 14, 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	849 E 20TH ST, SANFORD, FL 32771-3509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
May 4, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
Jan 20, 2017	Loan Modification, Mortgage · Line of Credit SUNTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 1994 · Amount on Record
Deed Sale	Nov 15, 1994 · Amount on Record
Prior Sale	Mar 1, 1986 · Amount on Record
Deed Book / Page	2848 / 291
Prior Transfer Date	Oct 12, 1994
Prior Transfer Doc	2848000291
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	May 4, 2026
Property Address	849 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0000044077
Book / Page	11031 / 1948
Instrument Date	Apr 25, 2026
Instrument	202644077
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0000044077,
Date	May 4, 2026
Book Page	11031/1948
Instrument	202644077

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Jun 7, 2104

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	May 4, 2026
Property Address	849 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0000044078
Book / Page	11031 / 1964
Instrument Date	Apr 25, 2026
Instrument	202644078
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0000044078,
Date	May 4, 2026
Book Page	11031/1964
Instrument	202644078

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	937 Months
Due	Jun 7, 2104

Interest

Rate	6.38%
Max Rate	-1%

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SEMINOLE FL
Property Address	849 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0088520893
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	849 E 20TH ST SANFORD FL 327713509, SANFORD, FL 32771-3509

Mortgage

Document Number	0088520893
Date	Jan 30, 2017
Book Page	008852/000893
Instrument	10244

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2047

Interest

Rate Type	Adjustable Rate

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	$584.00 (+5.23%) Homeowner's exemption	$75,003 (+5.99%)	$200,143 (+7.09%) Land $93,993 Building $106,150
2023	$555.00 (+1.28%) Homeowner's exemption	$70,766 (+3%)	$186,893 (+25.37%) Land $84,099 Building $102,794
2022	$548.00 Homeowner's exemption	$68,705	$149,073 Land $84,099 Building $64,974

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

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.

Nearby Properties on E 20th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures