425 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 425 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 5,893 sqft · built 1989
Lot Size	6.63 acres (288,803 sqft)
Owner	2 Owner Names on File
Last Sale	$487,000 (Nov 2008)
Tax Bill	$10,080 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`20-20-32-3AF-1320-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-1320-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	5,893 sqft Living Area
1st Floor Area	2,725 sqft
2nd Floor Area	664 sqft
Upper Floors Area	664 sqft
Attic Area	729 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	288,803 sqft
Garage Type	Mixed
Garage Area	1,056 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	2,083 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	425 VALLEY STREAM DR
City	GENEVA
State	FL
Zip	32732-9233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 29 TWP 20S RGE 32E BEG 675.93 FT NLY ON CURVE OF INT WLY LINE VALLEY STREAM DR & WLY LINE PINE HILL BLVD RUN NLY ON CURVE
Legal Range	32E
Legal Township	20S
Legal Section	20
Legal Subdivision	SEMINOLE WOODS (5 AC DEV)
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	4
Census Block	4034
Census Tract	21201

Owner

The current owner of 425 Valley Stream Dr bought it in November 2008.

Source: Seminole County records, as of December 5, 2025

Owner of Record	2 Owner Names on File
Mailing Address	425 VALLEY STREAM DR, GENEVA, FL 32732-9233
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2008 · Amount on File
Deed Sale	Nov 26, 2008 · Amount on File
Deed Document Number	2008131496
Deed Book / Page	07097 / 0864
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	425 VALLEY STREAM DR, GENEVA, FL 32732-9233
Transaction Type	Mortgage
Record Updated	Dec 22, 2021
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 VALLEY STREAM DR, GENEVA, FL 32732-9233

Mortgage

Document Number	0101150981
Date	Dec 6, 2021
Book Page	10115/981
Instrument	2021159201

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 425 Valley Stream Dr was $10,080 with a homeowner's exemption.

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	$10,080.00 Homeowner's exemption	$755,858	$1,126,820 Land $295,000 Building $831,820
2023	$9,264.00 (+2.38%) Homeowner's exemption	$713,161 (+3%)	$1,079,977 (+10.51%) Land $285,000 Building $794,977
2022	$9,049.00 Homeowner's exemption	$692,389	$977,277 Land $265,000 Building $712,277

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

Flood

FEMA maps place 425 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	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

Wildfire risk around 425 Valley Stream Dr is moderate, ranking above 69% 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 69% of the US · above 50% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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