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391 Whitcomb Dr, Geneva, FL 32732 Property Records

Seminole County property record for 391 Whitcomb Dr, Geneva, FL 32732 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,694 sqft · built 1973
Lot Size1.04 acres (45,500 sqft)
Owner2 Individual Names on File
Last Sale$292,000 (May 2019)
Tax Bill$5,177 (2025)
Deeds & MortgagesNov 2025 Construction Loan
Sep 2022 Transfer
+ 2 more
Flood ZoneZone AE (high risk)
APN23-20-32-501-0000-0080

Property Details

APN / Parcel Number

Primary APN23-20-32-501-0000-0080
Alternative APN
  • 20322350100000080

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,694 sqft Living Area
Gross Area2,934 sqft
1st Floor Area982 sqft
Upper Floors Area976 sqft
FlooringWood
Interior WallsWood

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 2000
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area45,500 sqft (1.04 acres)
Lot Dimensions700 ft deep x 130 ft wide
Garage TypeAttached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchPorch
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemNone

Location & Zoning

Street Address391 WHITCOMB DR
CityGENEVA
StateFL
Zip32732-9254
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 7 & 8 LAKE HARNEY MANOR PB 8 PG 26
Legal Range32E
Legal Township20S
Legal Section23
Legal SubdivisionLAKE HARNEY MANOR
Legal Tract501
Legal Lot Number7,8
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2018
Census Tract21201

Owner

Source: Seminole County records · APN 23-20-32-501-0000-0080

Assessment roll updated December 29, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address391 WHITCOMB DR, GENEVA, FL 32732-9254
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2025Deed of Trust, Mortgage · Construction Mortgage
MIDFLORIDA CU
Sep 20, 2022Intrafamily Transfer, Transfer
Oct 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
May 14, 2019Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 14, 2019 · Amount on Record
Deed SaleMay 14, 2019 · Amount on Record
Prior SaleSep 01, 2017 · Amount on Record
Deed Document Number201950732
Deed Book / Page9353 / 1255
Last Transfer DateSep 20, 2022
Transfer Doc0103181619
Record UpdatedJun 08, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address391 WHITCOMB DR, GENEVA, FL 32732-9254
Transaction TypeMortgage
Record UpdatedNov 14, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3440 LAKE HARNEY CIR, GENEVA, FL 32732-9637

Mortgage

Document Number0109281019
DateNov 04, 2025
Book Page10928/1019
Instrument2025110056
Lender
NameMIDFLORIDA CU
TypeCredit Union
AddressLAKELAND, FL 33802
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2055

September 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSEMINOLE FL
Recording DateSep 20, 2022
Property Address391 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number0103181619
Book / Page10318 / 1619
Map ReferenceMB 8 PG 26
Instrument DateSep 20, 2022
Instrument2022107235
Transaction TypeTransfer
Record UpdatedSep 30, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address391 WHITCOMB DR, 391, GENEVA, FL 32732-9254

Transferred To (Grantee/Buyer)

NameVerified Name
Address391 WHITCOMB DR, GENEVA, FL 32732-9254

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Property Address391 WHITCOMB DR, GENEVA, FL 32732-9254
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyFIRST SERVICES TTL OF FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address391 WHITCOMB DR, GENEVA, FL 32732-9254

Mortgage

Document Number0097350513
DateOct 16, 2020
Book Page9735/513
Instrument2020117520
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateMay 14, 2019
Property Address391 WHITCOMB DR, GENEVA, FL 32732-9254
Document Number0093531255
Book / Page09353 / 1255
Map ReferenceMB 8 PG 26
Instrument DateApr 09, 2019
Instrument2019050732
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,044.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1058 CRYSTAL BOWL CIR, 1058, CASSELBERRY, FL 32707-4537

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address391 WHITCOMB DR, GENEVA, FL 32732-9254

Mortgage

Document Number0093531257
DateMay 14, 2019
Instrument09353/1257
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: Seminole County records · Assessment roll updated December 29, 2025 · Last verified April 2026

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$5,177.00 (+78.27%) Homeowner's exemption$374,744 (+59.33%)$435,742 (+52.11%) Land $203,060 Building $232,682
2023$2,904.00 (+2.72%) Homeowner's exemption$235,197 (+3%)$286,472 (+0.64%) Land $106,500 Building $179,972
2022$2,827.00 Homeowner's exemption$228,347$284,655 Land $106,500 Building $178,155

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Seminole County (12117C), updated November 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121170212012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 201 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies201 in force
Nearby Flood Claims112 (1982–2024)
Claims Outside the SFHA10 of 112
Most Recent ClaimOct 2024, rainfall accumulation, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Oct 2022 · 31 claims
  • Hurricane Ian, Oct 2022 · 44 claims
  • Hurricane Irma, Sep 2017 · 11 claims

Wildfire

Wildfire RiskHigh
above 76% of the US · above 62% of Florida
Wildfire LikelihoodAbout 1 in 231 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 29 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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