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408 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 408 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 3,610 sqft · built 1987
Lot Size5.05 acres (220,203 sqft)
OwnerIndividual Name on Record
Last Sale$1,161,000 (Apr 2024)
Tax Bill$14,260 (2025)
Deeds & MortgagesApr 2024 Sale & Mortgage
Aug 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-20-32-3AF-0820-0000

Property Details

APN / Parcel Number

Primary APN20-20-32-3AF-0820-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Plumbing Fixtures7 Plumbing Fixtures
Stories1 Story
Building Area3,610 sqft Living Area
1st Floor Area2,466 sqft
2nd Floor Area856 sqft
Upper Floors Area856 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2005
Exterior MaterialSiding
Construction TypeWood Frame
Foundation TypeFooting
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area220,203 sqft
Garage Area850 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area1 sqft
PorchPorch
Porch Area516 sqft
Patio Area1 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address408 VALLEY STREAM DR
CityGENEVA
StateFL
Zip32732-9229
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEC 28 TWP 20S RGE 32E BEG INT WLY R/W PINE HILL BLVD & ELY R/W VALLEY STREAM DR RUN N 38 DEG 44 MIN 13 SEC E 621.81 FT N
Legal Range32E
Legal Township20S
Legal Section20
Legal SubdivisionSEMINOLE WOODS (5 AC DEV)
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group4
Census Block4024
Census Tract21201

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2692 W VINA DEL MAR BLVD, ST PETE BEACH, FL 33706-2733
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 26, 2024Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 17, 2020Warranty Deed, Transfer · Conventional Mortgage
OAKTREE FUNDING CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 26, 2024 · Amount on Record
Deed SaleApr 26, 2024 · Amount on Record
Prior SaleAug 17, 2020 · Amount on Record
Deed Document Number2024037345
Deed Book / Page10618 / 1911
Record UpdatedJun 8, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateApr 26, 2024
Property Address408 VALLEY STREAM DR, GENEVA, FL 32732-9229
Document Number0106181911
Book / Page10618 / 1911
Instrument DateMar 28, 2024
Instrument2024037345
Transaction TypeTransfer
Record UpdatedMay 8, 2024
Title CompanyEAST COAST SETTLEMENT LLC, EAST COAST T&E LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$8,127.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1859 MEETING PL, ORLANDO, FL 32814-6322

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address2692 W VINA DEL MAR BLVD, ST PETE BEACH, FL 33706-2733

Mortgage

Document Number0106181914
DateApr 26, 2024
Instrument10618/1914
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2054

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateAug 17, 2020
Property Address408 VALLEY STREAM DR, GENEVA, FL 32732-9229
Document Number0096790963
Book / Page9679 / 963
Instrument DateAug 7, 2020
Instrument2020089571
Transaction TypeTransfer
Record UpdatedDec 22, 2021
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,718.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address206 OAKMONT RESERVE CIR, 206, LONGWOOD, FL 32750-3207

Transferred To (Grantee/Buyer)

NameVerified Name
Address408 VALLEY STREAM DR, GENEVA, FL 32732-9229

Mortgage

Document Number0009679965
DateAug 17, 2020
Instrument9679/965
Lender
NameOAKTREE FUNDING CORP
TypeSubprime Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050
Interest
Rate TypeAdjustable Rate
Rate4.75%
Type Change DateSep 1, 2025
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change6.75%
Index1-Year LIBOR
Max Rate9.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$14,260.00 (+145.95%)$1,047,034 (+130.81%)$1,047,034 (+47.21%) Land $280,000 Building $767,034
2023$5,798.00 (+13.95%) Homeowner's exemption$453,633 (+14.03%)$711,230 (+18.25%) Land $270,000 Building $441,230
2022$5,088.00 Homeowner's exemption$397,823$601,463 Land $250,000 Building $351,463

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 43 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies43 in force
Nearby Flood Claims6 (2005–2022)
Claims Outside the SFHA2 of 6
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 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 RiskModerate
above 63% of the US · lower than 61% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 SystemSEMINOLE WOODS
private · serves 780 people · EPA ID FL3594050
Water SourceGroundwater
Last State InspectionMay 2024
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 23 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		25 / 3
AT&T
Fixed Wireless		25 / 3

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