446 Cemetery Rd, Geneva, FL 32732 Property Records

Seminole County property record for 446 Cemetery Rd, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 500 sqft · built 2023
Lot Size	4.78 acres (208,217 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Oct 2020)
Tax Bill	$5,917 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-20-32-300-0250-0000`

Property Details

APN / Parcel Number

Primary APN	`22-20-32-300-0250-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	500 sqft Living Area
Upper Floors Area	847 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	208,217 sqft (4.78 acres)
Parking Spaces	3 Parking Spaces
Utility Building	180 sqft
Pole Barn	2,400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	446 CEMETERY RD
City	GENEVA
State	FL
Zip	32732-8951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 22 TWP 20S RGE 32E BEG SW COR OF SE 1/4 OF NW 1/4 RUN N 7.2 CH E 7.85 CH S 14 DEG W 7.34 CH W 6.09 CH
Legal Range	32E
Legal Township	20S
Legal Section	22
Legal Subdivision	METES & BOUNDS
Legal Tract	300
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	1
Census Block	1021
Census Tract	21201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	446 CEMETERY RD, GENEVA, FL 32732-8951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
May 25, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BENJAMIN F III WHEELER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	0097301990
Deed Book / Page	02654 / 01616
Prior Transfer Date	Oct 1, 1993
Prior Transfer Doc	0265401616
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	446 CEMETERY RD, GENEVA, FL 32732-8951
Transaction Type	Mortgage
Record Updated	May 25, 2023
Title Company	INDEPENDENCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 SUGARBERRY TRL, OVIEDO, FL 32765-6040

Mortgage

Document Number	0101641862
Date	Feb 8, 2022
Book Page	10164/1862
Instrument	2022016210

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Mar 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.75%
Index	Other
Margin	3
Max Rate	9.75%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	446 CEMETERY RD, GENEVA, FL 32732-8951
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 SUGARBERRY TRL, OVIEDO, FL 32765-6040

Mortgage

Document Number	0097310001
Date	Oct 12, 2020
Book Page	9731/1
Instrument	2020115216

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	8.37%

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SEMINOLE FL
Recording Date	May 25, 2017
Property Address	446 CEMETERY RD, GENEVA, FL 32732-8951
Document Number	0089211080
Book / Page	008921 / 001080
Instrument Date	May 10, 2017
Instrument	52560
Transaction Type	Construction Loan
Record Updated	Aug 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	502 CEMETERY RD GENEVA FL 32732, GENEVA, FL 32732

Mortgage

Document Number	89211080
Date	May 25, 2017
Book Page	008921/001080
Instrument	52560

Lender

Name	BENJAMIN F III WHEELER
Address	18951 LAKE PICKETT RD, ORLANDO, FL 32820-4518

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 24, 2018

Interest

Rate	12%

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	$5,917.00 (+202.04%) Homeowner's exemption	$428,992 (+103.72%)	$707,225 (+235.84%) Land $220,156 Building $487,069
2023	$1,959.00 (+8.95%)	$210,584 (+1%)	$210,584 (+1%) Land $210,584
2022	$1,798.00	$191,440 Land $191,440	$191,440 Land $191,440

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 22 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	16 (1994–2022)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 3 claims Tropical Storm Fay, Aug 2008 · 3 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 82% of the US · above 72% of Florida
Wildfire Likelihood	0.8% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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