Seminole County property record for 789 Ridge Rd, Geneva, FL 32732
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,532 sqft · built 1997 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (May 2021) |
| Tax Bill | $6,661 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-20-32-300-021C-0000 |
| Primary APN | 16-20-32-300-021C-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,532 sqft Living Area |
| Gross Area | 3,057 sqft |
| 1st Floor Area | 1,588 sqft |
| Upper Floors Area | 944 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 332 sqft |
| Patio Area | 345 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Solar |
| Street Address | 789 RIDGE RD |
|---|---|
| City | GENEVA |
| State | FL |
| Zip | 32732-9135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A5 |
| Legal Description | SEC 16 TWP 20S RGE 32E BEG NW COR OF E 1/2 OF NE 1/4 OF SE 1/4 OF SW 1/4 RUN W 500 FT S 435.61 FT E TO A PT S OF BEG N TO BEG |
| Legal Range | 32E |
| Legal Township | 20S |
| Legal Section | 16 |
| Legal Tract | 300 |
| Jurisdiction | SEMINOLE FL |
| Township / Civil Division | OVIEDO |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 21201 |
789 Ridge Rd is owned and occupied by two individuals who bought it in May 2021.
Source: Seminole County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 25, 2023 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| May 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on File |
| Deed Sale | May 18, 2021 · Amount on File |
| Prior Sale | Jun 17, 2005 · Amount on File |
| Deed Document Number | 202165641 |
| Deed Book / Page | 9933 / 1019 |
| Transfer Doc | 3086001486 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Document Number | 0103800778 |
|---|---|
| Date | Jan 25, 2023 |
| Book Page | 10380/778 |
| Instrument | 2023007197 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Recording Date | May 18, 2021 |
| Property Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Document Number | 0099331019 |
| Book / Page | 9933 / 1019 |
| Instrument Date | May 13, 2021 |
| Instrument | 2021065641 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Title Company | NOT AVAILABLE, TRADITIONS T&E LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 CATRIONA DR, 201, DAYTONA BEACH, FL 32124-2089 |
| Name | Verified Name |
|---|---|
| Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Document Number | 99331021 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 9933/1021 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SEMINOLE FL |
| Property Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 789 RIDGE RD, GENEVA, FL 32732-9135 |
| Document Number | 0097560453 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 9756/453 |
| Instrument | 2020128030 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 7.62% |
The 2025 property tax bill for 789 Ridge Rd was $6,661 with a homeowner's exemption.
Source: Seminole County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Seminole County |
| Unified School District | Seminole County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,661.00 Homeowner's exemption | $505,530 | $538,954 Land $230,000 Building $308,954 |
| 2023 | $6,121.00 (+2.44%) Homeowner's exemption | $476,974 (+3%) | $512,686 (+4.64%) Land $220,000 Building $292,686 |
| 2022 | $5,975.00 Homeowner's exemption | $463,082 | $489,935 Land $200,000 Building $289,935 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 789 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1994.
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 22 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 16 (1994–2022) |
| Claims Outside the SFHA | 7 of 16 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 789 Ridge Rd is high, ranking above 79% 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 79% of the US · above 67% 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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