359 Whitcomb Dr, Geneva, FL 32732 Property Records

Seminole County property record for 359 Whitcomb Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,398 sqft · built 1999
Lot Size	0.377 acres (16,450 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jul 2022)
Tax Bill	$3,149 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`23-20-32-501-0000-0140`

Property Details

APN / Parcel Number

Primary APN	`23-20-32-501-0000-0140`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,398 sqft Living Area
1st Floor Area	1,398 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	16,450 sqft (0.377 acres)
Lot Dimensions	350 ft deep x 47 ft wide
Porch	Finished/Screened Porch
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	359 WHITCOMB DR
City	GENEVA
State	FL
Zip	32732-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 40 FT OF LOT 14 & ALL LOT 15 (LESS SLY 46.67 FT) LAKE HARNEY MANOR PB 8 PG 26
Legal Range	32E
Legal Township	20S
Legal Section	23
Legal Subdivision	LAKE HARNEY MANOR
Legal Tract	501
Legal Lot Number	14-15
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	2
Census Block	2018
Census Tract	21201

Owner

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
Co-owner	Co-owner on Record
Mailing Address	359 WHITCOMB DR, GENEVA, FL 32732-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on Record
Deed Sale	Jul 15, 2022 · Amount on Record
Prior Sale	Jul 5, 2018 · Amount on Record
Deed Document Number	2022082065
Deed Book / Page	10278 / 1699
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 15, 2022
Property Address	359 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number	0102781699
Book / Page	10278 / 1699
Map Reference	MB 8 PG 26
Instrument Date	Jul 12, 2022
Instrument	2022082065
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	349 WHITCOMB DR, 349, GENEVA, FL 32732-9254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	359 WHITCOMB DR, GENEVA, FL 32732-9254

Mortgage

Document Number	0102781701
Date	Jul 15, 2022
Instrument	10278/1701

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 5, 2018
Property Address	359 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number	0091670452
Book / Page	09167 / 0452
Map Reference	MB8 PG26
Instrument Date	Jun 29, 2018
Instrument	2018077528
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	TITLE CLOSER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1225 S CARPENTER RD, 1225, TITUSVILLE, FL 32796-2925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 WHITCOMB DR, GENEVA, FL 32732-9254

Mortgage

Document Number	2018077529
Date	Jul 5, 2018
Instrument	2018077529

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Seminole County
Unified School District	Seminole County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,149.00 (+0.48%) Homeowner's exemption	$268,581 (+5.99%)	$272,118 (+7.38%) Land $91,768 Building $180,350
2023	$3,134.00 (-4.65%) Homeowner's exemption	$253,410 (+6.32%)	$253,410 (+0.7%) Land $83,425 Building $169,985
2022	$3,287.00 Homeowner's exemption	$238,353	$251,649 Land $83,425 Building $168,224

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Ian, Oct 2022 · 31 claims Hurricane Ian, Oct 2022 · 44 claims Hurricane Irma, Sep 2017 · 11 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.4% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE HARNEY WATER ASSOCIATION private · serves 700 people · EPA ID FL3590698
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2024 Total trihalomethanes resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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