Seminole County property record for 3096 E Osceola Rd, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,322 sqft · built 1996 |
| Lot Size | 7.83 acres (341,075 sqft) |
| Owner | Company Name on Record |
| Last Sale | $219,000 (Apr 2001) |
| Tax Bill | $4,118 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-19-32-301-0120-0000 |
| Primary APN | 25-19-32-301-0120-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,322 sqft Living Area |
| Gross Area | 2,734 sqft |
| 1st Floor Area | 1,328 sqft |
| Upper Floors Area | 994 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 341,075 sqft (7.83 acres) |
| Garage Type | Attached |
| Garage Area | 412 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 410 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Street Address | 3096 E OSCEOLA RD |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-7231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A5 |
| Legal Description | SEC 25 TWP 19S RGE 32E BEG 30 FT W & 520.72 FT NWLY ALONG WLY R/W OSCEOLA RD OF S 1/4 COR RUN NWLY ALONG WLY R/W 382 FT W 903.98 FT S 6 DEG 10 MIN 3 SEC E 377.76 FT E 906.73 FT TO BEG |
| Legal Range | 32E |
| Legal Township | 19S |
| Legal Section | 25 |
| Legal Subdivision | ST JOHNS COUNTRY ESTATES 5 ACRE DEVELOPM |
| Legal Tract | 301 |
| Legal Lot Number | 3 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 21201 |
Source: Seminole County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3096 E OSCEOLA RD, GENEVA, FL 32732-7231 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 17, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2001 · Amount on Record |
| Deed Sale | Apr 20, 2001 · Amount on Record |
| Prior Sale | Aug 1, 2000 · Amount on Record |
| Deed Book / Page | 4055 / 837 |
| Last Transfer Date | Jun 11, 2020 |
| Transfer Doc | 0096270705 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 3096 E OSCEOLA RD, GENEVA, FL 32732-7231 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3096 E OSEOLA ROAD, GENEVA, FL 32732-7231 |
| Document Number | 0097191596 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 9719/1596 |
| Instrument | 2020109979 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jun 17, 2020 |
| Property Address | 3096 E OSCEOLA RD, GENEVA, FL 32732-7231 |
| Document Number | 0096270705 |
| Book / Page | 009627 / 000705 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 63082 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3096 E OSCEOLA RD GENEVA FL 327327231, GENEVA, FL 32732-7231 |
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 | $4,118.00 (+8.74%) Homeowner's exemption | $319,620 (+5.99%) | $473,492 (+9.81%) Land $160,515 Building $312,977 |
| 2023 | $3,787.00 (+2.6%) Homeowner's exemption | $301,565 (+3%) | $431,203 (+0.56%) Land $140,940 Building $290,263 |
| 2022 | $3,691.00 Homeowner's exemption | $292,782 | $428,820 Land $140,940 Building $287,880 |
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 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 89% of the US · above 83% 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 25 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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