Seminole County property record for 485 Valley Stream Dr, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,802 sqft · built 2022 |
| Lot Size | 5.4 acres (235,224 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jan 2018) |
| Tax Bill | $11,462 (2025) |
| Deeds & Mortgages | May 2018 Construction Loan Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 20-20-32-3AF-1250-0000 |
| Primary APN | 20-20-32-3AF-1250-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,802 sqft Living Area |
| 1st Floor Area | 1,808 sqft |
| 2nd Floor Area | 1,750 sqft |
| Upper Floors Area | 1,750 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Combination |
| Construction Type | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 235,224 sqft |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 1 sqft |
| Porch | Porch |
| Porch Area | 567 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 485 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 FM INT NLY LINE HILL STREAM DR & ELY LINE VALLEY STREAM DR RUN S 74 DEG 57 MIN 55 SEC E 323.04 FT N 41 |
| 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 |
485 Valley Stream Dr is owned and occupied by two individuals who bought it in January 2018.
Source: Seminole County records, as of December 5, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 2, 2018 | Deed of Trust, Mortgage · Construction Mortgage FIRST GREEN BANK |
| Jan 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK |
| Apr 5, 2019 | Loan Modification, Mortgage SEACOAST NAT'L BK |
| Jan 31, 2018 | Warranty Deed, Transfer FIRST SERVICE TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2018 · Amount on File |
| Deed Sale | Jan 31, 2018 · Amount on File |
| Deed Document Number | 2018011188 |
| Deed Book / Page | 009066 / 001054 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0091200532 |
|---|---|
| Date | May 2, 2018 |
| Book Page | 09120/0532 |
| Instrument | 2018047368 |
| Name | FIRST GREEN BANK |
|---|---|
| Type | Bank |
| Address | MOUNT DORA, FL 32757 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.99% |
| Index | 1-Year LIBOR |
| Max Rate | 8.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | APOLLO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Document Number | 0098201813 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 9820/1813 |
| Instrument | 2021008300 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34994 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Document Number | 0093421011 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | VALLEY STREAM DR GENEVA FL 32732, GENEVA, FL 32732 |
| Document Number | 0093421011 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 009342/001011 |
| Instrument | 44116 |
| Name | SEACOAST NAT'L BK |
|---|---|
| Type | Bank |
| Address | STUART, FL 34995-9012 |
| Amount | Amount on Record |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jan 31, 2018 |
| Property Address | 485 VALLEY STREAM DR, GENEVA, FL 32732-9233 |
| Document Number | 0090661054 |
| Book / Page | 009066 / 001054 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 11188 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2018 |
| Title Company | FIRST SERVICE TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,470.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 328 FAIRWAY POINTE CIR ORLANDO FL 328288515, ORLANDO, FL 32828-8515 |
The 2025 property tax bill for 485 Valley Stream Dr was $11,462 with a homeowner's exemption.
Source: Seminole County assessment roll, as of July 1, 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 | $11,462.00 Homeowner's exemption | $854,057 | $1,099,484 Land $295,000 Building $804,484 |
| 2023 | $10,497.00 (+6.28%) Homeowner's exemption | $805,813 (+6.85%) | $1,039,025 (+13.81%) Land $285,000 Building $754,025 |
| 2022 | $9,877.00 Homeowner's exemption | $754,123 | $912,914 Land $265,000 Building $647,914 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 485 Valley Stream Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 485 Valley Stream Dr is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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