748 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 748 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,572 sqft · built 2004
Lot Size	5.4 acres (235,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Mar 2002)
Tax Bill	$6,014 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jan 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-20-32-3AF-2040-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-2040-0000`
Alternative APN	`2032203AF20400000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,572 sqft Living Area
Gross Area	3,226 sqft
1st Floor Area	2,572 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	235,290 sqft (5.4 acres)
Garage Type	Attached
Garage Area	654 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	1,000 sqft
Patio Area	818 sqft
Utility Building	672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	748 VALLEY STREAM DR
City	GENEVA
State	FL
Zip	32732-9231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A5
Legal Description	SEC 32 TWP 20S RGE 32E BEG 1361.17 FT W & 221.38 FT S 40 DEG 55 MIN 23 SEC E OF NE COR RUN S 49 DEG 4 MIN 37 SEC W 480 FT S 40 DEG 55 MIN 23 SEC E 490 FT N 49 DEG 4 MIN 37 SEC E 480 FT N 40 DEG 55 MIN 23 SEC W 490 FT TO BEG (5.399 AC)
Legal Range	32E
Legal Township	20S
Legal Section	20
Legal Subdivision	SEMINOLE WOODS (5 AC DEV)
Legal Tract	3AF
Legal Lot Number	204
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	4
Census Block	4030
Census Tract	21201

Owner

Source: Seminole County records, as of April 9, 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	748 VALLEY STREAM DR, GENEVA, FL 32732-9231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PUBLIX EMPLOYEES FCU
Jun 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPLOYEES FCU
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage PUBLIX EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2002 · Amount on Record
Deed Sale	Mar 22, 2002 · Amount on Record
Prior Sale	Dec 1, 2001 · Amount on Record
Deed Book / Page	4358 / 944
Last Transfer Date	Mar 11, 2026
Transfer Doc	0110061862
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SEMINOLE FL
Recording Date	Mar 26, 2026
Property Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231
Document Number	0110061862
Book / Page	11006 / 1862
Instrument Date	Mar 11, 2026
Instrument	2026029735
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231

Mortgage

Document Number	0105630301
Date	Jan 9, 2024
Book Page	10563/301
Instrument	2024002625

Lender

Name	PUBLIX EMPLOYEES FCU
Type	Credit Union
Address	LAKELAND, FL 33815

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093721879
Date	Jun 13, 2019
Book Page	09372/1879
Instrument	2019062659

Lender

Name	PUBLIX EMPLOYEES FCU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SEMINOLE FL
Property Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 VALLEY STREAM DR, GENEVA, FL 32732-9231

Mortgage

Document Number	0097931020
Date	Dec 21, 2020
Book Page	9793/1020
Instrument	2020147203

Lender

Name	PUBLIX EMPLOYEES FCU
Type	Credit Union
Address	LAKELAND, FL 33815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$6,014.00 (+8.79%) Homeowner's exemption	$458,275 (+5.99%)	$752,682 (+4.97%) Land $280,000 Building $472,682
2023	$5,528.00 (+2.48%) Homeowner's exemption	$432,388 (+3%)	$717,025 (+10.55%) Land $270,000 Building $447,025
2022	$5,394.00 Homeowner's exemption	$419,794	$648,618 Land $250,000 Building $398,618

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 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	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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T.

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