670 E STATE ROAD 46, GENEVA, FL, 32732
Active0 days on marketListed Aug 3, 2026MLS #O6428724
About this home
670 E STATE ROAD 46
Welcome to this ONE OF A KIND property in the charming small town of Geneva, Florida! This remarkable home is set up for two families. Jointly together it is a 4-bedroom, 3-bathroom home that sits on an expansive 2.25-acre cleared property, perfectly blending rural tranquility with versatile living spaces. Nestled among soaring pine trees and securely fenced with a gated entrance, this semi-rural retreat offers plenty of room for your dreams—whether you’re a family seeking space to grow, an investor interested in rental income, or a horse enthusiast looking for a country setting. A perfect spot for your very own little FARM. This home is actually a lot more square feet than the public records show. Designed for multi-generational living, the property features a full basement, yes in Florida, a single-story in-law suite with its own kitchen, making it easy for two families to live comfortably and privately under one roof. The second living space is a two story with one full bedroom and bath downstairs and two full bedrooms upstairs. The one story suite has beautiful wood floors. There’s even potential to generate rental income from either side of the home. Outside, the acreage is zoned for horses and ready for your mini-farm or gardening projects. A large metal carport, next to an expansive slab, provides ample space for vehicles or equipment. The roof is 2005 and the property has multiple A/C units. There is an older barn/outbuilding to the back. The single side has a nice walk out slab that is perfect for outdoor living. The two story side has a fenced in area that is private off of the side of the house. With cleaning and TLC you will have a true gem with so many options for the future. With Geneva’s welcoming community, top-rated schools, and a peaceful small-town atmosphere, you’ll love the slower pace while still being within easy reach of Oviedo, Sanford, and Lake Mary and the coast. Don’t miss this unique opportunity to create the lifestyle you’ve been dreaming of—whether it’s for your family, your animals, or your investment portfolio!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,912
Sqft
2.29 ac
Lot size
1980
Year built
Multi/Split
Levels
$235
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 — not generic estimates.
$3,173 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Where it sits
Inside Geneva
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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 → $695K
Geneva median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
Median sold price, Geneva, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the GENEVA 32732 median. See the full Geneva market guide →
Paper trail
This home's history
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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 670 E STATE ROAD 46 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 670 E STATE ROAD 46 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
670 E STATE ROAD 46 FAQs
What would the monthly payment be for 670 E STATE ROAD 46?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,173/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 670 E STATE ROAD 46?+
The most recent tax bill on record (2025) was $2,060. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Geneva?+
At $449,000, this home is listed about 31% below the Geneva median of $650,000. The market section on this page shows how the area is trending.
Which schools are assigned to 670 E STATE ROAD 46?+
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
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Fresh on the market
Listed today in a Geneva market that averages 43 — if it fits, move quickly.
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.
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Laurie Cain. MLS #O6428724.
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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