444 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 444 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,874 sqft · built 1987
Lot Size	5.03 acres (219,237 sqft)
Owner	Individual Name on Record
Last Sale	$378,000 (May 2014)
Tax Bill	$6,527 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-20-32-3AF-0850-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-0850-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,874 sqft Living Area
1st Floor Area	2,500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	219,237 sqft
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Porch
Porch Area	1,189 sqft
Patio Area	488 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Solar

Location & Zoning

Street Address	444 VALLEY STREAM DR
City	GENEVA
State	FL
Zip	32732-9229
Property Category	Residential
Property Type	Residential > Single Family > Home
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 125.01 FT TO
Legal Range	32E
Legal Township	20S
Legal Section	20
Legal Subdivision	SEMINOLE WOODS (5 AC DEV)
Legal Lot Number	85
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	4
Census Block	4024
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	444 VALLEY STREAM DR, GENEVA, FL 32732-9229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2014 · Amount on Record
Deed Sale	May 2, 2014 · Amount on Record
Prior Sale	Nov 17, 1999 · Amount on Record
Deed Document Number	2014048295
Deed Book / Page	08254 / 1248
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	444 VALLEY STREAM DR, GENEVA, FL 32732-9229
Document Number	0096120123
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	444 VALLEY STREAM DR GENEVA FL 327329229, GENEVA, FL 32732-9229

Mortgage

Document Number	0096120123
Date	May 29, 2020
Book Page	009612/000123
Instrument	55347

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

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	$6,527.00 (+7.09%) Homeowner's exemption	$503,428 (+5.99%)	$751,473 (+4.52%) Land $280,000 Building $471,473
2023	$6,095.00 (+2.45%) Homeowner's exemption	$474,990 (+3%)	$718,949 (+10.51%) Land $270,000 Building $448,949
2022	$5,949.00 Homeowner's exemption	$461,155	$650,579 Land $250,000 Building $400,579

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	25 / 3