782 Valley Stream Dr, Geneva, FL 32732 Property Records

Seminole County property record for 782 Valley Stream Dr, Geneva, FL 32732

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,056 sqft · built 1984
Lot Size	5.37 acres (234,158 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Sep 2026)
Tax Bill	$7,937 (2025)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-20-32-3AF-2060-0000`

Property Details

APN / Parcel Number

Primary APN	`20-20-32-3AF-2060-0000`
Alternative APN	`2032203AF20600000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	2 Stories
Building Area	2,056 sqft Living Area
Gross Area	2,677 sqft
1st Floor Area	1,566 sqft
Upper Floors Area	170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Exterior Material	Siding Sheathing
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	234,158 sqft (5.37 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Slab
Porch Area	320 sqft
Patio Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	782 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 363 FT W & 847.03 FT S OF NE COR RUN S 478.98 FT S 84 DEG 23 MIN 4 SEC W 351.26 FT N 57 DEG 7 MIN 10 SEC W 215.79 FT N 25 DEG 33 MIN 29 SEC E 549.05 FT SELY ON CURVE 276.73 FT SELY ON CURVE 36.58 FT TO BEG
Legal Range	32E
Legal Township	20S
Legal Section	20
Legal Subdivision	SEMINOLE WOODS (5 AC DEV)
Legal Tract	3AF
Legal Lot Number	206
Jurisdiction	SEMINOLE FL
Township / Civil Division	OVIEDO
Census Block Group	4
Census Block	4030
Census Tract	21201

Owner

782 Valley Stream Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Seminole County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	782 VALLEY STREAM DR, GENEVA, FL 32732-9231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Construction Loan · Construction Mortgage BENSON BLDRS
Jan 11, 2018	Quit Claim Deed, Mortgage SOUTHPOINT FIN'L SVCS
Jan 11, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Jan 13, 2025 · Amount on File
Deed Document Number	202696887
Deed Book / Page	11120 / 636
Prior Transfer Date	Dec 29, 2017
Prior Transfer Doc	2018004042
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SEMINOLE FL
Recording Date	Sep 30, 2026
Property Address	782 VALLEY STREAM DR, GENEVA, FL 32732-9231
Document Number	0000096887
Book / Page	11120 / 636
Instrument Date	Sep 21, 2026
Instrument	202696887
Transaction Type	Construction Loan
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	782 VALLEY STREAM DR, GENEVA, FL 32732-9231

Mortgage

Document Number	0000096888,
Date	Sep 30, 2026
Instrument	202696888

Lender

Name	BENSON BLDRS

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 3, 2027

Interest

Max Rate	-1%

January 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 11, 2018
Property Address	782 VALLEY STREAM DR, GENEVA, FL 32732-9231
Document Number	0090561572
Book / Page	009056 / 001572
Instrument Date	Dec 29, 2017
Instrument	4042
Transaction Type	Mortgage
Record Updated	Feb 19, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	782 VALLEY STREAM DR GENEVA FL 327329231, GENEVA, FL 32732-9231

Mortgage

Document Number	90561575
Date	Jan 11, 2018
Book Page	009056/001575
Instrument	4043

Lender

Name	SOUTHPOINT FIN'L SVCS
Type	Funding / Finance Company
Address	ALPHARETTA, GA 30005

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 10, 2033

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SEMINOLE FL
Recording Date	Jan 11, 2018
Property Address	782 VALLEY STREAM DR, GENEVA, FL 32732-9231
Document Number	0090561570
Book / Page	009056 / 001570
Instrument Date	Dec 1, 2017
Instrument	4041
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	782 VALLEY STREAM DR GENEVA FL 327329231, GENEVA, FL 32732-9231

Tax Assessment & Valuation

The 2025 property tax bill for 782 Valley Stream Dr was $7,937.

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	$7,937.00	$558,823 Land $280,000 Building $278,823	$558,823 Land $280,000 Building $278,823
2023	$4,145.00 (+2.57%) Homeowner's exemption	$329,381 (+3%)	$509,709 (+9.39%) Land $270,000 Building $239,709
2022	$4,041.00 Homeowner's exemption	$319,787	$465,956 Land $250,000 Building $215,956

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 782 Valley Stream Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2005.

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 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	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

Wildfire risk around 782 Valley Stream Dr is high, ranking above 78% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.5% 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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