Seminole County property record for 181 Church St, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,199 sqft · built 1985 |
| Lot Size | 0.268 acres (11,700 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $198,000 (Aug 2020) |
| Tax Bill | $1,897 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-20-32-501-0200-0120 |
| Primary APN | 21-20-32-501-0200-0120 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,199 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,700 sqft |
| Lot Dimensions | 130 ft deep x 90 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 1 sqft |
| Porch | Porch |
| Porch Area | 200 sqft |
| Patio Area | 315 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 181 CHURCH ST |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-8405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 13 FT OF LOT 12 & ALL LOT 15 BLK 2 WHITCOMBS 1ST ADD TO GENEVA 04PB 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 | 12,15 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 21201 |
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 |
|---|---|
| Mailing Address | 181 CHURCH ST, GENEVA, FL 32732-8405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 4, 2017 | Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESID'L MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2020 · Amount on Record |
| Deed Sale | Aug 14, 2020 · Amount on Record |
| Prior Sale | Aug 4, 2017 · Amount on Record |
| Deed Document Number | 2020088931 |
| Deed Book / Page | 9678 / 159 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 14, 2020 |
| Property Address | 181 CHURCH ST, GENEVA, FL 32732-8405 |
| Document Number | 0096780159 |
| Book / Page | 9678 / 159 |
| Map Reference | MB 2 PG 50 |
| Instrument Date | Jul 27, 2020 |
| Instrument | 2020088931 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,386.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4225 SALTMARSH SPARROW DR, 4225, WINDERMERE, FL 34786-3278 |
| Name | Verified Name |
|---|---|
| Address | 285 SEMINOLE WOODS BLVD, GENEVA, FL 32732-9040 |
| Document Number | 0009678160 |
|---|---|
| Date | Aug 14, 2020 |
| Instrument | 9678/160 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Aug 4, 2017 |
| Property Address | 181 CHURCH ST, GENEVA, FL 32732-8405 |
| Document Number | 0089660717 |
| Book / Page | 008966 / 000717 |
| Instrument Date | Aug 2, 2017 |
| Instrument | 79042 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2017 |
| Title Company | ALOMA TITLE COMPANY, ALOMA TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 181 CHURCH ST GENEVA FL 32732, GENEVA, FL 32732 |
| Document Number | 89660719 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 008966/000719 |
| Instrument | 79043 |
| Name | PARAMOUNT RESID'L MTG |
|---|---|
| Type | Mortgage Company |
| Address | CORONA, CA 92879 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 3, 2047 |
Source: Seminole County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,897.00 (-2.82%) Homeowner's exemption | $174,477 (+5.99%) | $238,909 (+6.31%) Land $67,200 Building $171,709 |
| 2023 | $1,952.00 (+2.9%) Homeowner's exemption | $164,621 (+3%) | $224,739 (+14.65%) Land $64,000 Building $160,739 |
| 2022 | $1,897.00 Homeowner's exemption | $159,826 | $196,016 Land $48,000 Building $148,016 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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 |
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