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453 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 453 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 3,288 sqft · built 1988
Lot Size5.94 acres (259,010 sqft)
Owner2 Company Names on Record
Last Sale$827,100 (May 2023)
Tax Bill$6,949 (2025)
Deeds & MortgagesJul 2026 Line of Credit
May 2023 Sale & Mortgage
Flood ZoneZone A (high risk)
APN20-20-32-3AF-1290-0000

Property Details

APN / Parcel Number

Primary APN20-20-32-3AF-1290-0000
Alternative APN
  • 2032203AF12900000

Interior

Bedrooms4 Beds
Full Baths5 Baths
Plumbing Fixtures15 Plumbing Fixtures
Total Rooms1 Room
Stories2 Stories
Building Area3,288 sqft Living Area
Gross Area5,412 sqft
1st Floor Area1,320 sqft
Upper Floors Area1,738 sqft
AtticAttic
Attic Area420 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area259,010 sqft (5.94 acres)
Garage TypeAttached
Garage Area2,124 sqft
Parking Spaces7 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area912 sqft
Patio Area1 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address453 VALLEY STREAM DR
CityGENEVA
StateFL
Zip32732-9233
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA5
Legal DescriptionSEC 29 TWP 20S RGE 32E BEG 1138.95 FT S & 305.27 FT NWLY ON CURVE OF NE COR RUN NWLY ON CURVE 130 FT N 68 DEG 41 MIN 17 SEC W 155.01 FT S 12 DEG 53 MIN 57 SEC W 1067.64 FT N 61 DEG 46 MIN 03 SEC E 372.47 FT N 12 DEG 53 MIN 57 SEC E 773.5 FT TO BEG
Legal Range32E
Legal Township20S
Legal Section20
Legal SubdivisionSEMINOLE WOODS (5 AC DEV)
Legal Tract3AF
Legal Block129
Legal Lot Number129
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group4
Census Block4034
Census Tract21201

Owner

Source: Seminole County records, as of July 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address453 VALLEY STREAM DR, GENEVA, FL 32732-9233
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Jul 1, 2026Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CREDIT UNION
May 31, 2023Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 31, 2023 · Amount on Record
Deed SaleMay 31, 2023 · Amount on Record
Prior SaleSep 17, 1998 · Amount on Record
Deed Document Number202349663
Deed Book / Page10448 / 483
Transfer Doc3339001964
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSEMINOLE FL
Recording DateJul 1, 2026
Property Address453 VALLEY STREAM DR, GENEVA, FL 32732-9233
Document Number0000065597
Book / Page11067 / 1429
Instrument DateJun 25, 2026
Instrument202665597
Transaction TypeMortgage
Record UpdatedJul 14, 2026
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust, 221
Address453 VALLEY STREAM DR, GENEVA, FL 32732-9233

Mortgage

Document Number0000065597,
DateJul 1, 2026
Book Page11067/1429
Instrument202665597
Lender
NameFAIRWINDS CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 25, 2056
Interest
Rate TypeBalloon
Rate6.53%
Initial TypeBalloon
Max Rate-1%

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSEMINOLE FL
Recording DateMay 31, 2023
Property Address453 VALLEY STREAM DR, GENEVA, FL 32732-9233
Document Number0104480483
Book / Page10448 / 483
Map ReferenceMB 1187 PG 603
Instrument DateMay 30, 2023
Instrument2023049663
Transaction TypeTransfer
Record UpdatedJun 12, 2023
Title CompanyFIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,789.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address203 IVY BROOK TRL, PELHAM, AL 35124-1997

Transferred To (Grantee/Buyer)

NameVerified Name
Address453 VALLEY STREAM DR, GENEVA, FL 32732-9233

Mortgage

Document Number0010448485
DateMay 31, 2023
Instrument10448/485
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2053

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySeminole County
Unified School DistrictSeminole County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,949.00 (+39.48%)$526,594 (+34.54%)$743,245 (+5.05%) Land $295,000 Building $448,245
2023$4,982.00 (+2.49%) Homeowner's exemption$391,409 (+3%)$707,514 (+10.69%) Land $285,000 Building $422,514
2022$4,861.00 Homeowner's exemption$380,009$639,166 Land $265,000 Building $374,166

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 43 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies43 in force
Nearby Flood Claims6 (2005–2022)
Claims Outside the SFHA2 of 6
Most Recent ClaimNov 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 RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemSEMINOLE WOODS
private · serves 780 people · EPA ID FL3594050
Water SourceGroundwater
Last State InspectionMay 2024
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30
Verizon
Fixed Wireless		25 / 6

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