Seminole County property record for 450 Valley Stream Dr, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5.5 ba · 4,930 sqft · built 2014 |
| Lot Size | 5.01 acres (218,341 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $775,000 (Jul 2020) |
| Tax Bill | $12,702 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Dec 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-20-32-3AF-0860-0000 |
| Primary APN | 20-20-32-3AF-0860-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,930 sqft Living Area |
| Gross Area | 5,903 sqft |
| 1st Floor Area | 3,947 sqft |
| Upper Floors Area | 983 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 218,341 sqft (5.01 acres) |
| Garage Type | Attached |
| Garage Area | 973 sqft |
| Parking Spaces | 9 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 896 sqft |
| Patio Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 450 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 29 TWP 20S RGE 32E BEG 449.22 FT S OF NE COR RUN S 68 DEG 41 MIN 17 SEC E 190.60 FT S 35 DEG 28 MIN 12 SEC E 125.01 FT S 43 DEG 22 MIN 35 SEC W 484.96 FT NWLY ON CURVE 280 FT N 9 DEG 23 MIN 13 SEC E 495.70 FT S 68 DEG 41 MIN 17 SEC E 279.40 FT TO |
| 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 |
Source: Seminole County records, as of July 20, 2026
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 | 450 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU |
| Dec 10, 2019 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Jul 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2020 · Amount on Record |
| Deed Sale | Jul 10, 2020 · Amount on Record |
| Prior Sale | Dec 1, 2012 · Amount on Record |
| Deed Document Number | 202073429 |
| Deed Book / Page | 9647 / 1529 |
| Prior Transfer Date | Sep 11, 2019 |
| Prior Transfer Doc | 0000116262 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 450 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 450 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Investor | Possibly a Property Investor |
| Document Number | 0105070616 |
|---|---|
| Date | Sep 14, 2023 |
| Book Page | 10507/616 |
| Instrument | 2023085402 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 13, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 450 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094950921 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 09495/0921 |
| Instrument | 2019133964 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 9, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 10, 2020 |
| Property Address | 450 VALLEY STREAM DR, GENEVA, FL 32732-9229 |
| Document Number | 0096471529 |
| Book / Page | 9647 / 1529 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 2020073429 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | CHAMPION TITLE AND CLOSING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,425.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 450 VALLEY STREAM DR, 450, GENEVA, FL 32732-9229 |
| Name | Verified Name |
|---|---|
| Address | 4219 VANITA CT, WINTER SPRINGS, FL 32708-4951 |
| Investor | Possibly a Property Investor |
| Document Number | 0096471531 |
|---|---|
| Date | Jul 10, 2020 |
| Instrument | 9647/1531 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
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 | $12,702.00 (+8.87%) Homeowner's exemption | $947,176 (+5.99%) | $1,215,439 (+5.64%) Land $280,000 Building $935,439 |
| 2023 | $11,667.00 (+2.35%) Homeowner's exemption | $893,672 (+3%) | $1,150,557 (+11.29%) Land $270,000 Building $880,557 |
| 2022 | $11,399.00 Homeowner's exemption | $867,643 | $1,033,797 Land $250,000 Building $783,797 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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 | 0.3% 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 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 |
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