103 Cardinal Dr, Debary, FL 32713 Property Records

Volusia County property record for 103 Cardinal Dr, Debary, FL 32713

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,012 sqft · built 1955
Lot Size	0.27 acres (11,775 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Jul 2019)
Tax Bill	$1,480 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8034-35-08-0020`

Property Details

APN / Parcel Number

Primary APN	`8034-35-08-0020`
Alternative APNs	`30183435080020` `34183035080020` `2456400.0` `2456400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,012 sqft Living Area
Gross Area	1,216 sqft
1st Floor Area	1,012 sqft
Utility Room	Utility Room
Flooring	Combination, Other
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,775 sqft (0.27 acres)
Lot Dimensions	157 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	204 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	72 sqft
Patio Area	243 sqft
Storage Building	160 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2456400
Street Address	103 CARDINAL DR
City	DEBARY
State	FL
Zip	32713-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01R4
Legal Description	LOT 2 BLK 8 PLANTATION ESTATES UNIT 25 MB 23 PG 91 PER OR 5158 PG 0741 PER OR 7720 PG 3868
Legal Range	30E
Legal Township	18S
Legal Section	34
Legal Subdivision	PLANTATION ESTATE
Legal Tract	35
Legal Block	8
Legal Lot Number	2
Legal Unit	25
Jurisdiction	VOLUSIA FL
Township / Civil Division	DEBARY-ORANGE CITY
Census Block Group	3
Census Block	3000
Census Tract	90905

Owner

103 Cardinal Dr is owned and occupied by an individual who bought it in July 2019.

Source: Volusia County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	103 CARDINAL DR, DEBARY, FL 32713-3603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Prior Sale	Sep 8, 2003 · Amount on File
Deed Document Number	2019139181
Deed Book / Page	7720 / 3868
Prior Transfer Date	Aug 29, 2003
Prior Transfer Doc	0051580741
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	103 CARDINAL DR, DEBARY, FL 32713-3603
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CARDINAL DR, DEBARY, FL 32713-3603

Mortgage

Document Number	0084993660
Date	Dec 22, 2023
Book Page	8499/3660
Instrument	2023261759

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jul 16, 2019
Property Address	103 CARDINAL DR, DEBARY, FL 32713-3603
Document Number	0077203868
Book / Page	7720 / 3868
Map Reference	MB 23 PG 91
Instrument Date	Jul 15, 2019
Instrument	2019-139181
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	WESTSIDE TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 COLOMBA RD, 342, DEBARY, FL 32713-3635

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CARDINAL DR, DEBARY, FL 32713-3603

Mortgage

Document Number	2019139183
Date	Jul 16, 2019
Instrument	2019-139183

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 103 Cardinal Dr was $1,480 with a homeowner's exemption, up 6.4% from the year before.

Source: Volusia County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Volusia County
Municipality	DeBary City
Unified School District	Volusia County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,324 (+2.7%)	$162,092 (-0.44%) Land $43,031 Building $119,061
2025	$1,480.00 (+6.4%) Homeowner's exemption	$107,424	$162,812 Land $43,031 Building $119,781
2024	$1,391.00 (+4.98%)
2023	$1,325.00 (+3.6%) Homeowner's exemption	$101,357 (+3%)	$150,819 (+15.8%) Land $38,934 Building $111,885
2022	$1,279.00 Homeowner's exemption	$98,405	$130,241 Land $26,767 Building $103,474

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Cardinal Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · 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 12 policies
Nearby Flood Policies	12 in force

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

Wildfire risk around 103 Cardinal Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VC/SOUTHWEST WATER SYSTEM serves 19,672 people · EPA ID FL3641336
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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