385 Whitcomb Dr, Geneva, FL 32732 Property Records

Seminole County property record for 385 Whitcomb Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,273 sqft · built 2007
Lot Size	0.899 acres (39,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$672,000 (Jul 2020)
Tax Bill	$6,275 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`23-20-32-501-0000-0090`

Property Details

APN / Parcel Number

Primary APN	`23-20-32-501-0000-0090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,273 sqft Living Area
1st Floor Area	2,273 sqft
Attic Area	352 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	39,200 sqft (0.899 acres)
Lot Dimensions	350 ft deep x 112 ft wide
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	878 sqft
Utility Building	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	385 WHITCOMB DR
City	GENEVA
State	FL
Zip	32732-9254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALL LOT 9 & NLY 12.2 FT OF LOT 10 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	9-10
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	2 Individual Names on Record
Mailing Address	385 WHITCOMB DR, GENEVA, FL 32732-9254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Warranty Deed, Transfer VETERANS UNITED HM LNS
Dec 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FIN'L CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	2020070937
Deed Book / Page	9642 / 1852
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 7, 2020
Property Address	385 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number	0096421852
Book / Page	009642 / 001852
Instrument Date	Jun 30, 2020
Instrument	70937
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS I LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,704.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 WHITCOMB DR GENEVA FL 327329254, GENEVA, FL 32732-9254

Mortgage

Document Number	96421854
Date	Jul 7, 2020
Book Page	009642/001854
Instrument	70938

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	385 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number	0095070951
Instrument Date	Dec 17, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	385 WHITCOMB DR GENEVA FL 327329254, GENEVA, FL 32732-9254

Mortgage

Document Number	0095070951
Date	Dec 27, 2019
Book Page	009507/000951
Instrument	140839

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 26, 2029

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	$6,275.00 (+7.12%) Homeowner's exemption	$485,517 (+5.99%)	$566,995 (+7.58%) Land $174,944 Building $392,051
2023	$5,858.00 (+2.47%) Homeowner's exemption	$458,091 (+3%)	$527,061 (+0.72%) Land $159,040 Building $368,021
2022	$5,717.00 Homeowner's exemption	$444,749	$523,295 Land $159,040 Building $364,255

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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