Seminole County property record for 2565 E Osceola Rd, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,583 sqft · built 1997 |
| Lot Size | 3.61 acres (157,252 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,490,000 (Jun 2026) |
| Tax Bill | $14,515 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 36-19-32-3AD-001D-0000 |
| Primary APN | 36-19-32-3AD-001D-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,583 sqft Living Area |
| Gross Area | 4,258 sqft |
| 1st Floor Area | 3,583 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 157,252 sqft (3.61 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 12 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 942 sqft |
| Patio Area | 1,450 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2565 E OSCEOLA RD |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-9514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A5 |
| Legal Description | SEC 31 TWP 19S RGE 33E BEG 17.77 FT W & 30 FT N OF SW COR OF NW 1/4 OF NW 1/4 RUN S 60 FT W 13.43 FT S 2 DEG 11 MIN 37 SEC W 52.14 FT N 67 DEG 32 MIN 16 SEC E 981.08 FT TO SHORE LI NWLY ALONG SHORE LI TO A PT N 45 DEG 54 MIN 40 SEC E OF BEG S 45 DEG |
| Legal Range | 32E |
| Legal Township | 19S |
| Legal Section | 36 |
| Legal Subdivision | OSCEOLA BLUFF NORTH 5 ACRE DEVELOPMENT 4 |
| Legal Tract | 3AD |
| Legal Lot Number | 4 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21201 |
Source: Seminole County records, as of June 23, 2026
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 | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Jun 12, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Jun 4, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on Record |
| Deed Sale | Jun 12, 2026 · Amount on Record |
| Prior Sale | Sep 1, 2013 · Amount on Record |
| Deed Document Number | 202658402 |
| Deed Book / Page | 11055 / 1416 |
| Prior Transfer Date | May 17, 2018 |
| Prior Transfer Doc | 0091441573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Document Number | 0110551416 |
| Book / Page | 11055 / 1416 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202658402 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,053,430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Document Number | 0000058403, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202658403 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Document Number | 0000058402 |
| Book / Page | 11055 / 1416 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202658402 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,053,430.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Document Number | 0000058403, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202658403 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 4, 2018 |
| Property Address | 2565 E OSCEOLA RD, GENEVA, FL 32732-9514 |
| Document Number | 0091441573 |
| Book / Page | 009144 / 001573 |
| Instrument Date | May 17, 2018 |
| Instrument | 62639 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 565 E OSCEOLA RD GENEVA FL 32732, GENEVA, FL 32732 |
Source: Seminole County assessment roll, as of December 29, 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 | $14,515.00 (+85.64%) | $1,038,823 (+71.83%) Land $266,605 Building $772,218 | $1,038,823 (-2.68%) Land $266,605 Building $772,218 |
| 2023 | $7,819.00 (+2.41%) Homeowner's exemption | $604,547 (+3%) | $1,067,480 (+0.77%) Land $236,180 Building $831,300 |
| 2022 | $7,635.00 Homeowner's exemption | $586,939 | $1,059,274 Land $236,180 Building $823,094 |
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.
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 201 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 201 in force |
| Nearby Flood Claims | 112 (1982–2024) |
| Claims Outside the SFHA | 10 of 112 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 | High above 88% of the US · above 81% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
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 | LEMON BLUFF WATER ASSOCIATION private · serves 201 people · EPA ID FL3640748 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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