535 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 535 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	8 bd · 5.5 ba · 4,510 sqft · built 1989
Lot Size	8.59 acres (374,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,055,000 (Oct 2025)
Tax Bill	$9,695 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`20-20-32-3AF-1220-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-1220-0000`
Alternative APN	`2032203AF12200000`

Interior

Bedrooms	8 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	4,510 sqft Living Area
Gross Area	5,777 sqft
1st Floor Area	3,500 sqft
Upper Floors Area	1,010 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	374,462 sqft (8.59 acres)
Garage Type	Attached
Garage Area	1,267 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	625 sqft
Patio Area	1,444 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	535 VALLEY STREAM DR
City	GENEVA
State	FL
Zip	32732-9234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A5
Legal Description	SEC 29 TWP 20S RGE 32E BEG 74 DEG 57 MIN 55 SEC E 323.04 FT & N 41 DEG 21 MIN 15 SEC E 1385.81 FT OF INT NLY LINE HILL STREAM DR & ELY LINE VALLEY STREAM DR RUN N 41 DEG 21 MIN 15 SEC E 110 FT N 14 DEG 34 MIN 12 SEC W 260 FT N 77 DEG 53 MIN 05 SEC W
Legal Range	32E
Legal Township	20S
Legal Section	20
Legal Subdivision	SEMINOLE WOODS (5 AC DEV)
Legal Tract	3AF
Legal Lot Number	122
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	4
Census Block	4034
Census Tract	21201

Owner

Source: Seminole County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1223 SUTTON TRL, GENEVA, FL 32732-9377
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Warranty Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Apr 13, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 2, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Oct 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	202597856
Deed Book / Page	10908 / 659
Transfer Doc	4645001389
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Oct 3, 2025
Property Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234
Document Number	0109080659
Book / Page	10908 / 659
Instrument Date	Sep 24, 2025
Instrument	2025097856
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	TWO RIVERS TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$7,385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1223 SUTTON TRL, GENEVA, FL 32732-9377
Investor	Possibly a Property Investor

Mortgage

Document Number	0010908662
Date	Oct 3, 2025
Instrument	10908/662

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Mortgage

Document Number	0109170686
Date	Oct 17, 2025
Book Page	10917/686
Instrument	2025103185

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Recording Date	Apr 13, 2026
Property Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234
Document Number	0000036060
Book / Page	11017 / 1488
Instrument Date	Sep 24, 2025
Instrument	202636060
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036060,
Date	Apr 13, 2026
Book Page	11017/1488
Instrument	202636060

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.56%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jul 2, 2020
Property Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234
Document Number	0096391373
Book / Page	9639 / 1373
Instrument Date	Jun 11, 2020
Instrument	2020069500
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,740.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16249 ANDREWS CIR, 16249, CEDAR KEY, FL 32625-4663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234

Mortgage

Document Number	0096391377
Date	Jul 2, 2020
Instrument	9639/1377

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	535 VALLEY STREAM DR, GENEVA, FL 32732-9234
Document Number	0092380031
Instrument Date	Oct 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	535 VALLEY STREAM DR GENEVA FL 327329234, GENEVA, FL 32732-9234

Mortgage

Document Number	0092380031
Date	Oct 24, 2018
Book Page	009238/000031
Instrument	122534

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of December 29, 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	$9,695.00 (+6.39%)	$727,378 (+2.9%)	$932,732 (+1.52%) Land $295,000 Building $637,732
2024	$9,113.00 (+2.31%) Homeowner's exemption	$706,879 (+3%)	$918,773 (+3.18%) Land $295,000 Building $623,773
2023	$8,907.00 (+2.39%) Homeowner's exemption	$686,290 (+3%)	$890,424 (+10.44%) Land $285,000 Building $605,424
2022	$8,699.00 Homeowner's exemption	$666,301	$806,242 Land $265,000 Building $541,242

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 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 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	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 Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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