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320 E State Rd 46, Geneva, FL 32732 Property Records

Seminole County property record for 320 E State Rd 46, Geneva, FL 32732 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2000
Square Footage1,716 sqft Living Area
Lot Size56,192 sqft (1.29 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2020)
Tax Bill$1,978.00 (2025)

Property Details

APN / Parcel Number

Primary APN27-20-32-300-001E-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Building Area1,716 sqft Living Area
1st Floor1,248 sqft 1st Floor
2nd Floor468 sqft 2nd Floor
Upper Floors468 sqft Upper Floors
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 2000
Exterior MaterialSiding Exterior
Construction TypeWood Frame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area56,192 sqft (1.29 acres)
Parking Spaces1 Parking Spaces
Garage TypeMixed Garage
Garage Area390 sqft Garage
CarportCarport
Carport Area1 sqft Carport

Exterior Amenities

Shed1 Shed
Shed Area1 sqft Shed
Patio Area60 sqft Patio
PorchFinished/Screened Porch
Porch Area690 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address320 E STATE ROAD 46
CityGENEVA
StateFL
Zip32732-9060
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSEC 27 TWP 20S RGE 32 W 100 FT OF NW 1/4 OF NE 1/4 N OF RD & BEG NE COR OF NW 1/4 RUN S 313 FT TO RD NWLY 120 FT ON RD NELY
Legal Range32E
Legal Township20S
Legal Section27
Legal SubdivisionACREAGE & UNREC
Legal Tract300
JurisdictionSEMINOLE FL
Minor Civil DivisionOVIEDO
Census Blockgroup1
Census Block1021
Census Tract21201

Owner

Source: Seminole County records · APN 27-20-32-300-001E-0000

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address320 E STATE ROAD 46, GENEVA, FL 32732-9060
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2022Deed of Trust, Mortgage · Line of Credit
FIRST HORIZON BANK
May 04, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
RP FUNDING INC
Apr 27, 2020Warranty Deed, Transfer · Conventional Mortgage
BELL BK
Aug 27, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 27, 2020 · Amount on Record
Deed SaleApr 27, 2020 · Amount on Record
Prior SaleJun 10, 2013 · Amount on Record
Deed Doc Number2020043827
Deed Book / Page9588 / 1310
Record RefreshedJun 08, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address320 E STATE ROAD 46, GENEVA, FL 32732-9060
Transaction TypeMortgage
Record UpdatedNov 07, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0103371778
DateOct 26, 2022
Book Page10337/1778
Instrument2022118961
Lender
NameFIRST HORIZON BANK
TypeBank
AddressORLANDO, FL 32806
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueOct 17, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address320 E STATE ROAD 46, GENEVA, FL 32732-9060
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0089051133
DateMay 04, 2017
Book Page08905/1133
Instrument2017043572
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressMAITLAND, FL 32751
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2047

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateApr 27, 2020
Property Address320 E STATE ROAD 46, GENEVA, FL 32732-9060
Document Number0095881310
Book / Page009588 / 001310
Instrument DateApr 17, 2020
Instrument43827
Transaction TypeTransfer
Record UpdatedJun 24, 2020
Title CompanyINNOVATIVE TITLE SERVICES INC, INNOVATIVE TITLE SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,240.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address320 E STATE ROAD 46 GENEVA FL 327329060, GENEVA, FL 32732-9060

Mortgage

Document Number95881312
DateApr 27, 2020
Book Page009588/001312
Instrument43828
Lender
NameBELL BK
AddressFARGO, ND 58103
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 26, 2050

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address320 E STATE ROAD 46, GENEVA, FL 32732-9060
Document Number0092180028
Instrument DateAug 27, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address320 E STATE RD 46 GENEVA FL 32732, GENEVA, FL 32732

Mortgage

Document Number0092180028
DateSep 25, 2018
Book Page009218/000028
Instrument109656
Lender
NameHUD-HOUSING/URBAN DEV
AddressWASHINGTON, DC 20410
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 24, 2048

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,978.00 (-2.9%) Homeowner's exemption$180,287 (+5.99%)$308,957 (+5.09%) Land $76,110 Building $232,847
2023$2,037.00 (+2.88%) Homeowner's exemption$170,103 (+3%)$294,001 (+1.98%) Land $74,433 Building $219,568
2022$1,980.00 Homeowner's exemption$165,149$288,297 Land $70,950 Building $217,347

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation30.0 ft

Wildfire

Wildfire RiskHigh
above 89% of the US · above 83% of Florida
Wildfire LikelihoodAbout 1 in 84 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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