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

Seminole County property record for 877 E 20th St, Sanford, FL 32771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 1971
Lot Size	0.239 acres (10,400 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Dec 2023)
Tax Bill	$2,603 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-19-31-512-0000-0110`

Property Details

APN / Parcel Number

Primary APN	`31-19-31-512-0000-0110`
Alternative APN	`19313151200000110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,696 sqft Living Area
1st Floor Area	1,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,400 sqft (0.239 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Porch	Florida Room
Porch Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	877 E 20TH ST
City	SANFORD
State	FL
Zip	32771-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1AA
Legal Description	LOT 11 + W 30 FT OF LOT 10 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	11,10
Jurisdiction	SEMINOLE FL
Township / Civil Division	SANFORD
Census Block Group	2
Census Block	2027
Census Tract	20202

Owner

Source: Seminole County records, as of July 23, 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	877 E 20TH ST, SANFORD, FL 32771-3509
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Dec 8, 2023	Warranty Deed, Transfer · FHA Mortgage CANOPY MORTGAGE LLC
May 15, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Deed Document Number	2023111634
Deed Book / Page	10549 / 474
Prior Transfer Date	Jun 22, 2015
Prior Transfer Doc	0084940098
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Jul 8, 2026
Property Address	877 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0000067628
Book / Page	11071 / 420
Instrument Date	May 13, 2026
Instrument	202667628
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0000067628,
Date	Jul 8, 2026
Book Page	11071/420
Instrument	202667628

Lender

Agreement

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

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Dec 8, 2023
Property Address	877 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0105490474
Book / Page	10549 / 474
Map Reference	MB 5 PG 76
Instrument Date	Dec 6, 2023
Instrument	2023111634
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	VENTURE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2919 ASPEN PEAK CT, CLERMONT, FL 34711-6202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	877 E 20TH ST, SANFORD, FL 32771-3509

Mortgage

Document Number	0010549480
Date	Dec 8, 2023
Instrument	10549/480

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0105490495
Date	Dec 8, 2023
Book Page	10549/495
Instrument	2023111636

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 15, 2023
Property Address	877 E 20TH ST, SANFORD, FL 32771-3509
Document Number	0104390077
Book / Page	10439 / 77
Map Reference	MB 5 PG 76
Instrument Date	May 5, 2023
Instrument	2023044293
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	877 E 20TH ST, SANFORD, FL 32771-3509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	467 LANCERS DR, WINTER SPRINGS, FL 32708-3316

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	$2,603.00 (+178.4%)	$186,871 (+96.46%) Land $72,200 Building $114,671	$186,871 (+6.34%) Land $72,200 Building $114,671
2023	$935.00 (+4.82%) Homeowner's exemption	$95,117 (+3%)	$175,725 (+0.65%) Land $64,600 Building $111,125
2022	$892.00 Homeowner's exemption	$92,347	$174,593 Land $64,600 Building $109,993

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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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