420 VALLEY STREAM DRIVE, GENEVA, FL, 32732
Active90 days on marketListed Apr 22, 2026MLS #O6400938
About this home
420 VALLEY STREAM DRIVE
NEW PRICE . . . Welcome to Seminole Woods and to the architecturally intriguing design of this Arthur Rutenberg built home on five wooded acres with over 200 feet of frontage on a private picturesque pond. This spacious single-story home offers four well placed bedrooms, a front-of-the-home office, and a large DR, LR, Kitchen and Family room. As you approach this home for the first time you're struck by the two Tuscan influenced pillars, the high arches over the windows and front entry, and the two wide bay windows on either side of the pillars. The custom designed features continue as you discover the interior: please notice among the many designer upgrades the high recessed tray ceilings, again the Tuscan pillars, the rich crown molding throughout, the wall niches and built-in shelves. From the living room, breakfast nook, kitchen and family room you can enjoy the panoramic view of the pool, and beyond it, down the hill, the private nature-framed pond. The screen enclosed infinity edged pool has a fountain and a heated in-ground spa and is surrounded by genuine fieldstone decking. For your peace of mind, the roof was new in November, 2021; the two air conditioners new in 2020 & 2024; the Generac whole-house generator in May, 2025; the pool heater and pool pump in 2020 & 2022 respectively; and the pool and decking were serviced and leak checked early this year. Seminole Woods is an equestrian community and a nature lover' s dream. Amenities include miles of trails for horses and hikers, and a gated park on full-use skiable Buck Lake with a dock and boat launch, a picnic pavilion, sports courts and playground.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,677
Sqft
5 ac
Lot size
3
Garage
2004
Year built
One
Levels
$320
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$7,690 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,690/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2%
$/sqft vs Geneva actives
$320 vs $358
Days on market
90 vs 69 typical
Where $320/sqft sits among the 21 Geneva actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Geneva
Get to know Geneva. See the full Geneva guide →
GENEVA 32732 — neighborhood snapshot
Population
5,164
Median age
45
Median income
$112,222
Median home value
$466,500
Avg household
2.88
Households w/ children
477
For the school run
Seminole County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Geneva market
$465K → $686K
Geneva median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
9 of 21
Geneva actives have cut their price
Median sold price, Geneva, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 157% above the GENEVA 32732 median. See the full Geneva market guide →
Paper trail
This home's history
Reality check
What actually sold near 420 VALLEY STREAM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$940,000
700 VALLEY STREAM DRIVE · same community
4 bd · 4 ba · 3,678 sqft · $256/sqft · 11 DOM
Sold · Apr ’26$1,100,000
641 PINE HILL BOULEVARD · same community
4 bd · 3.5 ba · 4,069 sqft · $270/sqft · 10 DOM
Sold · Nov ’25$675,000
1673 TALLAPOOSA DRIVE · same community
4 bd · 3 ba · 2,972 sqft · $227/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 420 VALLEY STREAM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 420 VALLEY STREAM DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
420 VALLEY STREAM DRIVE FAQs
What would the monthly payment be for 420 VALLEY STREAM DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,690/mo — principal and interest, the actual property-tax bill, the $175/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 420 VALLEY STREAM DRIVE?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 420 VALLEY STREAM DRIVE?+
The most recent tax bill on record (2024) was $6,884. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 420 VALLEY STREAM DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Geneva?+
At $1,175,000, this home is listed about 38% above the Geneva median of $849,000. The market section on this page shows how the area is trending.
Which schools are assigned to 420 VALLEY STREAM DRIVE?+
Geneva Elementary School (elementary), Chiles Middle School (middle), Oviedo High School (high) — Seminole County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,175,000 runs 157% above the GENEVA 32732 median — but at 3,677 sqft it's also 46% larger than the typical Geneva listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Geneva Elementary School, Chiles Middle School, Oviedo High School — Geneva Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,250,000, now $1,175,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Kirk Martin. MLS #O6400938.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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