Seminole County property record for 420 Valley Stream Dr, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,677 sqft · built 2004 |
| Lot Size | 5 acres (217,805 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $600,000 (Nov 2009) |
| Tax Bill | $7,320 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2023 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 20-20-32-3AF-0830-0000 |
| Primary APN | 20-20-32-3AF-0830-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,677 sqft Living Area |
| Gross Area | 4,584 sqft |
| 1st Floor Area | 3,677 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 217,805 sqft (5 acres) |
| Garage Type | Attached |
| Garage Area | 907 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 255 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Electric |
| Street Address | 420 VALLEY STREAM DR |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-9229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A5 |
| Legal Description | SEC 28 TWP 20S RGE 32E FROM NW COR RUN S 449.22 FT S 68 DEG 41 MIN 17 SEC E 190.60 FT S 35 DEG 28 MIN 12 SEC E 865.01 FT S 51 DEG 15 MIN 47 SEC E 200 FT S 192.47 FT TO POB RUN S 495.57 FT S 68 DEG 46 MIN 26 SEC W 483.65 FT NLY ALONG CURVE 528.82 FT N |
| Legal Range | 32E |
| Legal Township | 20S |
| Legal Section | 20 |
| Legal Subdivision | SEMINOLE WOODS (5 AC DEV) |
| Legal Tract | 3AF |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 21201 |
420 Valley Stream Dr is owner-occupied and held in a trust since October 2023.
Source: Seminole County records, as of June 9, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Oct 25, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 25, 2009 · Amount on File |
| Deed Sale | Nov 25, 2009 · Amount on File |
| Prior Sale | Jul 19, 2003 · Amount on File |
| Deed Document Number | 2009134581 |
| Deed Book / Page | 7294 / 928 |
| Last Transfer Date | Oct 24, 2023 |
| Transfer Doc | 0105271581 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Document Number | 0109150912 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 10915/912 |
| Instrument | 2025101991 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Nov 1, 2065 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Oct 25, 2023 |
| Property Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Document Number | 0105271581 |
| Book / Page | 10527 / 1581 |
| Instrument Date | Oct 24, 2023 |
| Instrument | 2023098393 |
| Transaction Type | Transfer |
| Record Updated | Nov 6, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 420 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
The 2025 property tax bill for 420 Valley Stream Dr was $7,320.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,320.00 | $553,707 | $881,033 Land $280,000 Building $601,033 |
| 2023 | $6,726.00 (+2.44%) Homeowner's exemption | $522,429 (+3%) | $838,738 (+10.77%) Land $270,000 Building $568,738 |
| 2022 | $6,566.00 Homeowner's exemption | $507,213 | $757,204 Land $250,000 Building $507,204 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 420 Valley Stream Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 43 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 6 (2005–2022) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| Claims by Event |
|
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 risk around 420 Valley Stream Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 63% of the US · lower than 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SEMINOLE WOODS private · serves 780 people · EPA ID FL3594050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max 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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