Seminole County property record for 592 Valley Stream Dr, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,270 sqft · built 1985 |
| Lot Size | 5.24 acres (228,516 sqft) |
| Owner | Individual Name on File |
| Last Sale | $530,000 (Jul 2020) |
| Tax Bill | $5,820 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-20-32-3AF-0980-0000 |
| Primary APN | 20-20-32-3AF-0980-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 4,270 sqft Living Area |
| 1st Floor Area | 2,385 sqft |
| 2nd Floor Area | 1,885 sqft |
| Upper Floors Area | 1,885 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Siding |
| Construction Type | Wood Frame |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Shingle |
| Lot Area | 228,516 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 820 sqft |
| Patio Area | 1 sqft |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Utility Building | 228 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 592 VALLEY STREAM DR |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-9230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 29 TWP 20S RGE 32E FROM NW COR RUN E 2656.62 FT S 229.34 FT SELY ON CURVE 341.35 FT S 28 DEG 2 MIN 20 SEC W 328.65 FT S |
| Legal Range | 32E |
| Legal Township | 20S |
| Legal Section | 20 |
| Legal Subdivision | SEMINOLE WOODS (5 AC DEV) |
| Legal Lot Number | 98 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 21201 |
Source: Seminole County records · APN 20-20-32-3AF-0980-0000
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU |
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2020 · Amount on Record |
| Deed Sale | Jul 21, 2020 · Amount on Record |
| Deed Document Number | 2020077228 |
| Deed Book / Page | 9655 / 226 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Document Number | 0103171979 |
|---|---|
| Date | Sep 19, 2022 |
| Book Page | 10317/1979 |
| Instrument | 2022106695 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 16, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Document Number | 0100150017 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 10015/17 |
| Instrument | 2021107871 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | Jul 21, 2020 |
| Property Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Document Number | 0096550226 |
| Book / Page | 9655 / 226 |
| Map Reference | MB 1187 PG 893-905 |
| Instrument Date | Jul 02, 2020 |
| Instrument | 2020077228 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 937 PICKFAIR TER, 937, LAKE MARY, FL 32746-5840 |
| Name | Verified Name |
|---|---|
| Address | 592 VALLEY STREAM DR, GENEVA, FL 32732-9230 |
| Document Number | 0009655229 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 9655/229 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
Source: Seminole County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,820.00 (+6.75%) Homeowner's exemption | $453,215 (+5.99%) | $836,068 (+4.76%) Land $280,000 Building $556,068 |
| 2023 | $5,452.00 (+2.48%) Homeowner's exemption | $427,614 (+3%) | $798,057 (+11.23%) Land $270,000 Building $528,057 |
| 2022 | $5,320.00 Homeowner's exemption | $415,159 | $717,496 Land $250,000 Building $467,496 |
Source: FEMA National Flood Hazard Layer as of November 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| Wildfire Risk | Moderate above 65% of the US · above 41% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
Based on FCC filings for 29 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SEMINOLE WOODS private · serves 780 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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