420 Valley Stream Dr, photo 1
Active
1 / 57

Overview

4 bd3 ba3,677 sqft3 car garageSingle Family
TypeSingle Family
HOA$2,100/yr
Built2004
Lot217,805 sqft
Living area3,677 sqft
Price / sqft$291
Garage3 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

420 Valley Stream Dr is a 2004-built home in Seminole Woods 5 Ac Dev, Geneva. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,677 square feet of living space. Listed at $1,070,000 (about $291/sqft), 174 days on market. Flood zone A and X - confirm flood insurance requirements with your lender. HOA runs $2,100 annually.

From the listing

HUGE PRICE REDUCTION --- Welcome to Seminole Woods and to the intriguing design of this Arthur Rutenberg built home on five wooded acres with over 200 feet of frontage on a private picturesque pond. As you approach this home for the first time you're struck by the lovely Tuscan influenced front elevation: pillars at the entryway, high arches over windows and the front door, and two lovely full bay windows. This spacious single-story home offers a well placed split bedroom floor plan, a designated front-of-the-home office, a large dining room, living room, kitchen and an incredible family room you’ve just got to see. The many upgraded and well planned custom features continue as you discover the interior: please notice such designer upgrades as the high recessed tray ceilings, a continuation of the pillared theme, the rich crown molding throughout, the wall niches, built-in shelves, butler pantry, beautiful water resistant marble window sills, and more than expected closet space throughout. From the living room, breakfast nook, kitchen and family room you can enjoy the panoramic view of the pool, the covered lanai, and beyond it, down the hill, the private nature-framed pond. The screen enclosed infinity edged pool has for added ambiance a decorative rock fountain and heated in-ground spa, all surrounded by genuine fieldstone decking. For your peace of mind, major updates include a new roof in November 2021; the exterior was just professionally painted last month; the two air conditioners new in 2020 & 2024; the Generac whole-house generator installed in May, 2025; the pool heater in 2022, and a brand new two-speed pool pump in July 2026. The pool and decking were leak checked, serviced and renovated early this year. Seminole Woods is an equestrian community and a nature lover's dream. Amenities include miles of trails for horses and hikers, a gated park on full-use skiable Buck Lake with a dock and boat launch, a picnic pavilion available for residents’ events, sports courts (yes pickleball too) and a large playground.

The essentials

Built
2004
Price / sqft
$291
On market
174 days
Annual tax
$6,884
HOA
$2,100/yr
Flood zone
A AND X
Lot
217,805 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Waterfront
Pond
Private pool
Heated
3 car garage
Circular Driveway
5.00 acres
Lot size

Payment

Est. monthly payment
$6,864/mo
Down payment (20%)
$214,000
Property taxes
$574/mo
HOA
$2,100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
217,805 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Circular Driveway, Garage Door Opener, Garage Faces Side, Golf Cart Parking, Off Street, Oversized, RV Access/Parking, Garage
Pool
Deck, Gunite, Heated, In Ground
Waterfront
Pond
Days on Market
174
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Sprinkler Metered
Deed Restrictions
Gated Community - Guard
Golf Carts OK
Horses Allowed
Park
Playground
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Gas Water Heater
Microwave
Refrigerator
Homestead exemption on file Flood Zone A and X
Annual Tax (2024)
$6,884
Parcel #
20-20-32-3AF-0830-0000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Seminole Woods 5 Ac Dev
County
Seminole
MLS Area
32732 - Geneva
Lot Size
217,805 sqft
Conservation AreaGreenbeltLandscapedPrivatePaved
HOA
$2,100/yr
Bono Property Management --- Mike Bono

Price history

Date
Event
Price
9/20/2026
Price change
Source: Stellar MLS #O6400938
$1,070,000-4.5%
$291/sqft
-
Price change
Source: Stellar MLS #O6400938
$1,120,000-10.4%
$305/sqft
4/21/2026
Listed for sale
Source: Stellar MLS #O6400938
$1,250,000
$340/sqft

Neighborhood

420 Valley Stream Dr
Geneva, FL, 32732 · 32732 - Geneva

Market insights

Offer Insights

Choose an offer strength

List price: $1,070,000
$1.03M – $1.07M
96.7% – 100% of listTops out right at the list price
80% of listList price
14 of the last 27 home closings in 32732 landed at this number or higher (52%). The median one sat 37 days before it went under contract, and this one is on day 174 after a $180,000 cut.

Sample: 27 closed home sales in 32732 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$6,864/mo
Principal & interest$5,580
Property taxes$574
Insurance$535
HOA$175
Down payment20% · $214,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,070,000

$291 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,677 sq ft

Time on market

174 days

Year built

2004

Monthly payment

About $6,864/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,884 annual tax bill, insurance, and the $2,100/yr HOA fee.

HOA fee

$2,100/yr

Managed by Bono Property Management --- Mike Bono.

Flood zone

Zone A AND X

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Kirk MartinListing data from Stellar MLS, MLS# O6400938.

Keep exploring Florida

Pick up where you left off, or see what else is out there.