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645 E Osceola Rd, Geneva, FL 32732 Property Records

Seminole County property record for 645 E Osceola Rd, Geneva, FL 32732

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,836 sqft · built 1999
Lot Size5 acres (217,800 sqft)
OwnerIndividual Name on Record
Last Sale$270,000 (Aug 2020)
Tax Bill$3,650 (2025)
Deeds & MortgagesAug 2020 Sale & Mortgage
Jul 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN10-20-32-3AE-009A-0000

Property Details

APN / Parcel Number

Primary APN10-20-32-3AE-009A-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,836 sqft Living Area
1st Floor Area1,836 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Exterior MaterialSiding
Construction TypeWood Frame
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area217,800 sqft (5 acres)

Exterior Amenities

PorchPorch
Porch Area267 sqft
Utility Building196 sqft
Pole Barn864 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address645 E OSCEOLA RD
CityGENEVA
StateFL
Zip32732-9579
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSEC 10 TWP 20S RGE 32E BEG 3943.648 FT N & 2496.397 FT E OF SW COR RUN N 660 FT W 330 FT S 660 FT E 330 FT TO BEG
Legal Range32E
Legal Township20S
Legal Section10
Legal SubdivisionLAKE HARNEY ESTATES 5 ACRE DEV
JurisdictionSEMINOLE FL
Township / Civil DivisionOVIEDO
Census Block Group2
Census Block2007
Census Tract21201

Owner

Source: Seminole County records, as of December 5, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address645 E OSCEOLA RD, GENEVA, FL 32732-9579
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2020Special Warranty Deed, Transfer · Conventional Mortgage
FIRST SAVINGS BANK
Jul 20, 2020Correction Deed
ATTORNEY ONLY
Jan 17, 2020Court-Ordered Deed, Foreclosure
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 19, 2020 · Amount on Record
Deed SaleAug 19, 2020 · Amount on Record
Prior SaleJan 17, 2020 · Amount on Record
Deed Document Number2020091299
Deed Book / Page9682 / 1820
Record UpdatedJun 8, 2026

August 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionSEMINOLE FL
Recording DateAug 19, 2020
Property Address645 E OSCEOLA RD, GENEVA, FL 32732-9579
Document Number0096821820
Book / Page9682 / 1820
Instrument DateJul 28, 2020
Instrument2020091299
Transaction TypeTransfer
Record UpdatedDec 22, 2021
Title CompanyBUYER S TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,890.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15480 LAGUNA CANYON RD # RD100, 15480, IRVINE, CA 92618-2132

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 E OSCEOLA RD, GENEVA, FL 32732-9579

Mortgage

Document Number0096821822
DateAug 19, 2020
Instrument9682/1822
Lender
NameFIRST SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

July 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionSEMINOLE FL
Recording DateJul 20, 2020
Property Address645 E OSCEOLA RD, GENEVA, FL 32732-9579
Document Number0096540721
Book / Page009654 / 000721
Instrument DateJul 20, 2020
Instrument76898
Record UpdatedAug 17, 2020
Title CompanyATTORNEY ONLY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 E OSCEOLA RD GENEVA FL 327329579, GENEVA, FL 32732-9579
InvestorPossibly a Property Investor

January 2020: Court-Ordered Deed, Foreclosure

Document TypeCourt-Ordered Deed
JurisdictionSEMINOLE FL
Recording DateJan 17, 2020
Property Address645 E OSCEOLA RD, GENEVA, FL 32732-9579
Document Number0095201478
Book / Page009520 / 001478
Instrument DateDec 10, 2019
Instrument6366
Transaction TypeForeclosure
Record UpdatedFeb 11, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$515.00
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 E OSCEOLA RD GENEVA FL 327329579, GENEVA, FL 32732-9579

Tax Assessment & Valuation

Source: Seminole County assessment roll, as of July 1, 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$3,650.00 (+3.46%) Homeowner's exemption$299,034 (+5.99%)$362,858 (+15.62%) Land $130,000 Building $232,858
2023$3,528.00 (+2.62%) Homeowner's exemption$282,142 (+3%)$313,836 (+2.18%) Land $94,500 Building $219,336
2022$3,438.00 Homeowner's exemption$273,924$307,130 Land $90,000 Building $217,130

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 201 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies201 in force
Nearby Flood Claims112 (1982–2024)
Claims Outside the SFHA10 of 112
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Ian, Oct 2022 · 31 claims
  • Hurricane Ian, Oct 2022 · 44 claims
  • Hurricane Irma, Sep 2017 · 11 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 RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.9% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

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