130 Whitcomb Dr, Geneva, FL 32732 Property Records

Seminole County property record for 130 Whitcomb Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,889 sqft · built 2002
Lot Size	2.8 acres (121,968 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jul 2017)
Tax Bill	$4,244 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`24-20-32-5UZ-0000-0070`

Property Details

APN / Parcel Number

Primary APN	`24-20-32-5UZ-0000-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,889 sqft Living Area
1st Floor Area	1,889 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	121,968 sqft (2.8 acres)
Garage Area	1,280 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	818 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	130 WHITCOMB DR
City	GENEVA
State	FL
Zip	32732-9248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 SOUTHERLANDS STRIP PB 52 PGS 29 & 30
Legal Range	32E
Legal Township	20S
Legal Section	24
Legal Subdivision	SOUTHERLANDS STRIP
Legal Lot Number	7
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1026
Census Tract	21201

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	2 Individual Names on Record
Mailing Address	130 WHITCOMB DR, GENEVA, FL 32732-9248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage RP FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on Record
Deed Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2017077228
Deed Book / Page	008962 / 001718
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	130 WHITCOMB DR, GENEVA, FL 32732-9248
Transaction Type	Mortgage
Record Updated	Feb 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 WHITCOMB DR, GENEVA, FL 32732-9248

Mortgage

Document Number	0098331575
Date	Feb 2, 2021
Book Page	9833/1575
Instrument	2021014474

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	130 WHITCOMB DR, GENEVA, FL 32732-9248
Document Number	0097610604
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	130 WHITCOMB DR GENEVA FL 327329248, GENEVA, FL 32732-9248

Mortgage

Document Number	0097610604
Date	Nov 13, 2020
Book Page	009761/000604
Instrument	130974

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 31, 2017
Property Address	130 WHITCOMB DR, GENEVA, FL 32732-9248
Document Number	0089621718
Book / Page	008962 / 001718
Instrument Date	Jul 28, 2017
Instrument	77228
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	636 JADEWOOD AVE ORLANDO FL 328258052, ORLANDO, FL 32825-8052

Mortgage

Document Number	89621720
Date	Jul 31, 2017
Book Page	008962/001720
Instrument	77229

Lender

Name	RP FNDG
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,244.00 (+4.56%) Homeowner's exemption	$341,272 (+5.99%)	$428,184 (+6.22%) Land $117,600 Building $310,584
2023	$4,059.00 (+2.58%) Homeowner's exemption	$321,994 (+3%)	$403,100 (+0.72%) Land $112,000 Building $291,100
2022	$3,957.00 Homeowner's exemption	$312,616	$400,201 Land $112,000 Building $288,201

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	16 (1994–2022)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 3 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	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LAKE HARNEY WATER ASSOCIATION private · serves 700 people · EPA ID FL3590698
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2024 Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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