Seminole County property record for 2801 E Osceola Rd, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,916 sqft · built 1999 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (May 2020) |
| Tax Bill | $5,248 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-19-32-3AD-006A-0000 |
| Primary APN | 36-19-32-3AD-006A-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,916 sqft Living Area |
| Gross Area | 3,537 sqft |
| 1st Floor Area | 2,616 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Attached |
| Garage Area | 621 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 2801 E OSCEOLA RD |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-9599 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A5 |
| Legal Description | SEC 36 TWP 19S RGE 32E BEG 676.79 FT N & 366.79 FT E OF SW COR OF N 1/2 OF NE 1/4 RUN E 336.91 FT S 646.36 FT W 336.91 FT N 646.59 FT TO BEG (5 AC) |
| Legal Range | 32E |
| Legal Township | 19S |
| Legal Section | 36 |
| Legal Subdivision | OSCEOLA BLUFF NORTH 5 ACRE DEVELOPMENT 4 |
| Legal Tract | 3AD |
| Legal Lot Number | 18 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21201 |
2801 E Osceola Rd is owned and occupied by two individuals who bought it in May 2020.
Source: Seminole County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2801 E OSCEOLA RD, GENEVA, FL 32732-9599 |
| 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.
| Date | Document |
|---|---|
| Apr 4, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| May 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage SYNOVUS BANK |
| Nov 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2020 · Amount on File |
| Deed Sale | May 21, 2020 · Amount on File |
| Prior Sale | Jul 16, 2015 · Amount on File |
| Deed Document Number | 202052555 |
| Deed Book / Page | 9606 / 1322 |
| Prior Transfer Date | Mar 16, 2013 |
| Prior Transfer Doc | 0079910482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2801 E OSCEOLA RD, GENEVA, FL 32732-9599 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2801 E OSCEOLA RD, GENEVA, FL 32732-9599 |
| Document Number | 0104160845 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 10416/845 |
| Instrument | 2023030368 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 25, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 21, 2020 |
| Property Address | 2801 E OSCEOLA RD, GENEVA, FL 32732-9599 |
| Document Number | 0096061322 |
| Book / Page | 9606 / 1322 |
| Instrument Date | May 15, 2020 |
| Instrument | 2020052555 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | SUNBELT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 621144, OVIEDO, FL 32762-1144 |
| Name | Verified Name |
|---|---|
| Address | 1684 SPICEWOOD LN, CASSELBERRY, FL 32707-4044 |
| Document Number | 0096061324 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 9606/1324 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 2801 E OSCEOLA RD, GENEVA, FL 32732-9599 |
| Document Number | 0092660488 |
| Instrument Date | Nov 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2801 E OSCEOLA RD GENEVA FL 327329599, GENEVA, FL 32732-9599 |
| Document Number | 0092660488 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 009266/000488 |
| Instrument | 140576 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 492 Months |
| Due | Dec 12, 2059 |
The 2025 property tax bill for 2801 E Osceola Rd was $5,248 with a homeowner's exemption.
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 | $5,248.00 Homeowner's exemption | $402,235 | $474,499 Land $102,500 Building $371,999 |
| 2023 | $4,824.00 (+2.51%) Homeowner's exemption | $379,514 (+3%) | $499,071 (+0.85%) Land $90,000 Building $409,071 |
| 2022 | $4,706.00 Homeowner's exemption | $368,460 | $494,855 Land $90,000 Building $404,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2801 E Osceola Rd in Zone X, an area of minimal flood risk, though there have been 112 flood claims nearby since 1982.
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 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.
Wildfire risk around 2801 E Osceola Rd is high, ranking above 89% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 89% of the US · above 82% 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 24 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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