171 Church St, Geneva, FL 32732 Property Records

Seminole County property record for 171 Church St, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1985
Lot Size	0.238 acres (10,400 sqft)
Owner	Individual Name on File
Last Sale	$353,000 (May 2025)
Tax Bill	$3,915 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-20-32-501-0200-0110`

Property Details

APN / Parcel Number

Primary APN	`21-20-32-501-0200-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	864 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2015
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Pier/Post & Beam
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	10,400 sqft
Lot Dimensions	130 ft deep x 80 ft wide
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	171 CHURCH ST
City	GENEVA
State	FL
Zip	32732-8405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 36 FT OF LOT 11 & E 44 FT OF LOT 12 BLK 2 WHITCOMBS 1ST ADD TO GENEVA PB 2 PG 50
Legal Range	32E
Legal Township	20S
Legal Section	21
Legal Subdivision	WHITCOMBS 1ST AND 2ND ADDS TO GENEVA
Legal Tract	501
Legal Block	2
Legal Lot Number	11-12
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1046
Census Tract	21201

Owner

171 Church St is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	171 CHURCH ST, GENEVA, FL 32732-8405
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Mar 28, 2022 · Amount on File
Deed Document Number	0108211517
Deed Book / Page	10821 / 1517
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Mar 28, 2022
Property Address	171 CHURCH ST, GENEVA, FL 32732-8405
Document Number	0102020771
Book / Page	10202 / 771
Map Reference	MB 2 PG 50
Instrument Date	Mar 22, 2022
Instrument	2022036844
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	MODUS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1760 MULLET LAKE PARK RD, 1760, GENEVA, FL 32732-9689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 CHURCH ST, GENEVA, FL 32732-8405

Mortgage

Document Number	0010202773
Date	Mar 28, 2022
Instrument	10202/773

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 171 Church St was $3,915.

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	$3,915.00	$286,657	$286,657 Land $84,000 Building $202,657
2023	$3,886.00 (+410.64%)	$270,042 (+259.35%)	$270,042 (+18.75%) Land $80,000 Building $190,042
2022	$761.00 Homeowner's exemption	$75,148	$227,405 Land $60,000 Building $167,405

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

FEMA maps place 171 Church St in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.

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 File 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

Wildfire risk around 171 Church St is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% 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	OVIEDO MARKETPLACE (CONSEC.) serves 689 people · EPA ID FL3594241
Water Source	Purchased groundwater from SEMINOLE COUNTY SOUTHEAST
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20