450 Valley Stream Drive, Geneva, FL 32732
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 3, 2026, 450 Valley Stream Drive in Seminole Woods 5 Ac Dev, Geneva is listed at $1,574,900 (4,930 sq ft, about $319 per sq ft). That is 50% above Seminole Woods 5 Ac Dev's median closed sale of $1,052,500 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $226/sq ft by about 41%. It has been 61 days on market, well inside the community's typical 128 days. Listing facts: built in 2014, a private pool, HOA dues of $175/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2014 · 12 yrs
- 4,930 sq ft of living area
- 7-car garage
- Listed at $1,574,900 — recent neighborhood median sale price ~$1,052,500 (nearby sales; deemed reliable, not an appraisal)
- 61 days on market
- HOA $175/mo (per listing)
About this home
PRICING SUPPORTED BY RECENT PROFESSIONAL APPRAISAL. Rarely does 5 acres, 7 garage spaces, and resort-style living come wrapped inside a guard-gated community with country luxury at its finest! Beyond the manned entrance of Seminole Woods, a winding driveway meanders through the trees to reveal this exceptional 5-bedroom, 3.5-bath estate, where a welcoming front porch invites you to slow down and stay awhile.
Step inside and be drawn straight to the true heart of the home: a gourmet kitchen designed for the entertainer. Custom 42" cabinetry provides abundant storage, gleaming granite countertops stretch across generous workspace, and the oversized center island with prep sink anchors it all. Perfect for meal prep while guests gather around the breakfast bar.
Double convection ovens make holiday feasts and Sunday dinners effortless, while the casual dining space keeps everyday meals easy and connected. A butler's pantry links the kitchen to the formal dining room, and a formal living room adds an elegant space for entertainment. The first-floor owner's retreat is a private haven with French doors opening directly to the pool area and a spa-like bath featuring a garden tub and separate walk-in shower, joined by three additional bedrooms on the main level.
A dedicated office makes working from your countryside retreat effortless, especially with hardwired high-speed internet throughout. Upstairs, a spacious bonus/game room and 5th bedroom/flex space with private half bath offering room for everyone. But it's the outdoor living that truly captures the heart of this property.
The screened patio is an entertainer's dream, perfect for gathering around the outdoor fireplace on cool evenings, relax in the sitting area with your morning coffee, or host weekend cookouts overlooking the sparkling pool and bubbling hot tub. Beyond the patio, the grounds unfold like your own private retreat: little ones playing safely on the commercial-style fenced playground tucked among the trees, mornings gathering fresh eggs from the newly constructed chicken coop, and homegrown harvests from the fenced garden lined with fruit trees. Car collectors and hobbyists rejoice with 7 total garage spaces, 3-car attached and 4-car detached.
Saddle up and enjoy miles of horseback riding trails, a private neighborhood water supply, and exclusive access to private spring fed Buck Lake with community boat ramp. Zoned for top rated Seminole County Schools and just minutes from everyday conveniences of this is the country life, perfected. Schedule your private tour today!
All 88 photos
Description provided by CHARLES RUTENBERG REALTY ORLANDO and reproduced from the MLS; not independently verified.
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $8,621/mo 76%
- Taxes $1,929/mo 17%
- Insurance $546/mo 5%
- HOA $175/mo 2%
$11,270/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Seminole County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Seminole Woods 5 Ac Dev market
How this home is priced against recent nearby sales, and where Seminole Woods 5 Ac Dev has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Seminole Woods 5 Ac Dev
Each dot is a closed sale since 2014 (62 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $319/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 31 (cold).
This home’s history
- 2014BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 61 cumulative days on market as of October 3, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $1,599,900
- Aug 10, 2026Price cut$1,574,900 (-$25,000, -1.6%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in SEMINOLE WOODS 5 AC DEV in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $1,052,500 ($226/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Stronger local evidence — 6 comparable closed sales in SEMINOLE WOODS 5 AC DEV, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $1,574,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 34% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
- Carrying costs & concessions — this home carries HOA dues of $175/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 61 days on market vs. a 128-day community median
- 4 active listings competing
- ≈12.0 months of supply
- 4 closed here in the last 12 months
For reference, this home is listed at $1,574,900 ($319/sq ft). The list price is the seller's asking price and is not derived from this range.
Selling your own home? Try the Messtimate on your address →
Methodology: 4,930 sq ft × $201–$270/sq ft (interquartile band of 6 comparable closed sales in SEMINOLE WOODS 5 AC DEV, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Property Score
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 61 days on market for this home, against a 128-day area median.Days on market:this home 61Area median: 128 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. As of September 20, 2026.
🟡 Asking $319 per square foot, about 41% above the community’s $226 median. Seminole Woods 5 Ac Dev’s 12-month median sold price per square foot is $226. Median sold price per square foot is up 11.1% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
87% of homes in Seminole Woods 5 Ac Dev are owner-occupied. An estimated 13% are non-owner-occupied, including 11% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 101 homes matched. Community-level context.
Recent Seminole Woods 5 Ac Dev sales closed near 84.6% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Seminole Woods 5 Ac Dev, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CHARLES RUTENBERG REALTY ORLANDO · MLS # O6425573
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More on SEMINOLE WOODS 5 AC DEV
Go deeper on SEMINOLE WOODS 5 AC DEV
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Seminole County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 450 Valley Stream Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2014: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $175/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Seminole County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 4,930 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $23,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,550 more per year than the current owner’s estimated bill (+70%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | Stellar MLS, refreshed hourly (last: October 3, 2026) |
| Comparable sales | Stellar MLS closed sales in SEMINOLE WOODS 5 AC DEV, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 450 Valley Stream Drive and when was it built?
Per the listing record, 450 Valley Stream Drive was built in 2014 and has 4,930 sq ft of living area, 5 bedrooms and 4.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 450 Valley Stream Drive in?
450 Valley Stream Drive is in Seminole Woods 5 Ac Dev in Geneva, Seminole County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 450 Valley Stream Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $175 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 450 Valley Stream Drive differ from the current owner's?
The estimate on this page (about $23,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $9,550 more per year than the current owner’s estimated bill (+70%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 450 Valley Stream Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.