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

Seminole County property record for 864 E 20th St, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,206 sqft · built 1951
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2023)
Tax Bill	$4,122 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Oct 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`31-19-31-512-0000-0440`

Property Details

APN / Parcel Number

Primary APN	`31-19-31-512-0000-0440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,206 sqft Living Area
1st Floor Area	1,122 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1995
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	864 E 20TH ST
City	SANFORD
State	FL
Zip	32771-3510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 OF LOT 44 & ALL LOT 45 MAGNOLIA HEIGHTS PB 5 PG 76
Legal Range	31
Legal Township	19
Legal Section	31
Legal Subdivision	MAGNOLIA HEIGHTS
Legal Tract	512
Legal Lot Number	44-45
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2014
Census Tract	20202

Owner

Source: Seminole County records, as of December 5, 2025

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
Co-owner	Co-owner on Record
Mailing Address	864 E 20TH ST, SANFORD, FL 32771-3510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2023	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Oct 12, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Oct 22, 2021	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Dec 13, 2018	Special Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO
Aug 18, 2018	Grant Deed, Transfer STONEBRIDGE TITLE GROUP LLC
Aug 13, 2018	Grant Deed, Transfer STONEBRIDGE TITLE GROUP LLC
Nov 30, 2017	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2023 · Amount on Record
Deed Sale	Jan 20, 2023 · Amount on Record
Prior Sale	Oct 12, 2022 · Amount on Record
Deed Document Number	2023005812
Deed Book / Page	10378 / 915
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 20, 2023
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0103780915
Book / Page	10378 / 915
Map Reference	MB 5 PG 76
Instrument Date	Jan 13, 2023
Instrument	2023005812
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	864 E 20TH ST, SANFORD, FL 32771-3510

Mortgage

Document Number	0010378917
Date	Jan 20, 2023
Instrument	10378/917

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2043

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 12, 2022
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0103300249
Book / Page	10330 / 249
Map Reference	MB 5 PG 76
Instrument Date	Oct 10, 2022
Instrument	2022113975
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,859.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 SUMMIT RIDGE PL # PL314, 416, LONGWOOD, FL 32779-6260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Transaction Type	Mortgage
Record Updated	Nov 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	864 E 20TH ST, SANFORD, FL 32771-3510

Mortgage

Document Number	0100771418
Date	Oct 22, 2021
Book Page	10077/1418
Instrument	2021140090

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jan 1, 2049

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 13, 2018
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0092651411
Book / Page	09265 / 1411
Map Reference	MB5 PG76
Instrument Date	Dec 7, 2018
Instrument	2018140290
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,294.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 N PRESSVIEW AVE, 115, LONGWOOD, FL 32750-3810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5200 CONA REEF CT, ORLANDO, FL 32810-4075

Mortgage

Document Number	2018140291
Date	Dec 13, 2018
Instrument	2018140291

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 18, 2018
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0091941414
Book / Page	009194 / 001414
Instrument Date	Jul 26, 2018
Instrument	95286
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	115 N PRESSVIEW AVE LONGWOOD FL 327503810, LONGWOOD, FL 32750-3810

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SEMINOLE FL
Recording Date	Aug 13, 2018
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0091870431
Book / Page	009187 / 000431
Instrument Date	Jul 26, 2018
Instrument	91373
Transaction Type	Transfer
Record Updated	Oct 3, 2018
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2699 LEE RD #120 WINTER PARK FL 327891738, 120, WINTER PARK, FL 32789-1738

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Nov 30, 2017
Property Address	864 E 20TH ST, SANFORD, FL 32771-3510
Document Number	0090311987
Book / Page	009031 / 001987
Instrument Date	Nov 15, 2017
Instrument	120814
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$478.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2175 WILSON BLVD N NAPLES FL 341202576, NAPLES, FL 34120-2576

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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	$4,122.00 (+9.42%)	$228,291 (+7.61%)	$228,291 (+7.61%) Land $70,538 Building $157,753
2023	$3,767.00 (+99.84%)	$212,149 (+43.38%)	$212,149 (+0.71%) Land $63,113 Building $149,036
2022	$1,885.00	$147,966	$210,647 Land $63,113 Building $147,534

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	Moderate above 43% of the US · lower than 85% 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.

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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