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

Seminole County property record for 853 E 20th St, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,546 sqft · built 1992
Lot Size	0.328 acres (14,300 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Mar 2025)
Tax Bill	$5,725 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-19-31-512-0000-0140`

Property Details

APN / Parcel Number

Primary APN	`31-19-31-512-0000-0140`
Alternative APN	`19313151200000140`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,546 sqft Living Area
Gross Area	1,946 sqft
1st Floor Area	1,546 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,300 sqft (0.328 acres)
Lot Dimensions	130 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	853 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 14 & 15 (LESS E 10 FT OF LOT 14) 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	14,15
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 21, 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	853 E 20TH ST, SANFORD, FL 32771-3509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED MORTGAGE LENDING LLC
Jul 10, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 22, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	202521381
Deed Book / Page	10784 / 1316
Transfer Doc	3131001849
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	853 E 20TH ST, SANFORD, FL 32771-3509
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	853 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0109560974
Date	Dec 23, 2025
Book Page	10956/974
Instrument	2025127307

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 10, 2023
Property Address	853 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0104700903
Book / Page	10470 / 903
Map Reference	MB 5 PG 76
Instrument Date	Jun 30, 2023
Instrument	2023063008
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,628.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	110 N SOMERSET CT, SANFORD, FL 32773-7318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	853 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0010470905
Date	Jul 10, 2023
Instrument	10470/905

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0104700926
Date	Jul 10, 2023
Book Page	10470/926
Instrument	2023063010

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	853 E 20TH ST, SANFORD, FL 32771-3509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093200014
Date	Mar 22, 2019
Book Page	09320/0014
Instrument	2019029890

Lender

Name	PNC BANK NA
Type	Bank
Address	SANFORD, FL 32771

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	853 E 20TH ST, SANFORD, FL 32771-3509
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096150520
Date	Jun 2, 2020
Book Page	9615/520
Instrument	2020056786

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 15, 2030

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	$5,725.00 (+6.69%)	$315,836 (+125.79%) Land $99,275 Building $216,561	$315,836 (+7.22%) Land $99,275 Building $216,561
2024	$5,366.00 (+210.17%)
2023	$1,730.00 (+3.72%) Homeowner's exemption	$139,878 (+3%)	$294,571 (+0.71%) Land $88,825 Building $205,746
2022	$1,668.00 Homeowner's exemption	$135,804	$292,489 Land $88,825 Building $203,664

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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