447 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 447 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,314 sqft · built 1986
Lot Size	4.74 acres (206,637 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Mar 1986)
Tax Bill	$4,389 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`20-20-32-3AF-1300-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-1300-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,314 sqft Living Area
1st Floor Area	2,614 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Exterior Material	Siding
Construction Type	Wood Frame
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	206,637 sqft
Garage Area	1,032 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	1,522 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	447 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 1138.95 FT S OF NE COR RUN NWLY ON CURVE 305.27 FT S 12 DEG 53 MIN 57 SEC W 773.5 FT N 61 DEG 46
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

447 Valley Stream Dr is owned and occupied by two individuals who bought it in March 1986.

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 File
Mailing Address	447 VALLEY STREAM DR, GENEVA, FL 32732-9233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 1986 · Amount on File
Deed Sale	Mar 1, 1986 · Amount on File
Deed Document Number	0001724859
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	447 VALLEY STREAM DR, GENEVA, FL 32732-9233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096790169
Date	Aug 17, 2020
Book Page	9679/169
Instrument	2020089400

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 447 Valley Stream Dr was $4,389 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	$4,389.00 Homeowner's exemption	$356,397	$668,286 Land $295,000 Building $373,286
2023	$4,182.00 (+1.11%) Homeowner's exemption	$336,265 (+3%)	$639,309 (+10.49%) Land $285,000 Building $354,309
2022	$4,136.00 Homeowner's exemption	$326,471	$578,587 Land $265,000 Building $313,587

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

Flood

FEMA maps place 447 Valley Stream Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 447 Valley Stream Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 25 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
Verizon Fixed Wireless	25 / 6