1032 Ruth Dr, Edgewater, FL 32132 Property Records

Volusia County property record for 1032 Ruth Dr, Edgewater, FL 32132

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,172 sqft · built 1997
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$595 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Mar 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7432-06-00-2260`

Property Details

APN / Parcel Number

Primary APN	`7432-06-00-2260`
Alternative APNs	`34173206002260` `5661750.0` `5661750`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,172 sqft Living Area
1st Floor Area	1,172 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Deck Area	450 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	5661750.0
Old Parcel Number	34173206002260
Street Address	1032 RUTH DR
City	EDGEWATER
State	FL
Zip	32132-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 226 & N 1/2 LOT 227 UNIT 5 EDGEWATER ACRES MB 23 PG 162 PER OR 4169 PG 0584
Legal Range	34E
Legal Township	17S
Legal Section	32
Legal Subdivision	EDGEWATER
Legal Tract	6
Legal Lot Number	226-227
Legal Unit	5
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1010
Census Tract	83009

Owner

1032 Ruth Dr is owned and occupied by two individuals who acquired it in January 1997.

Source: Volusia County records, as of December 19, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1032 RUTH DR, EDGEWATER, FL 32132-2147
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 1997
Deed Sale	Jan 15, 1997
Deed Document Number	0004169584
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	1032 RUTH DR, EDGEWATER, FL 32132-2147
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1032 RUTH DR, EDGEWATER, FL 32132-2147

Mortgage

Document Number	0082031817
Date	Feb 14, 2022
Book Page	8203/1817
Instrument	2022034644

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jan 25, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	1032 RUTH DR, EDGEWATER, FL 32132-2147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078254460
Date	Mar 9, 2020
Book Page	7825/4460
Instrument	2020-049041

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 9, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1032 Ruth Dr was $595 with a homeowner's exemption.

Source: Volusia County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$595.00 Homeowner's exemption	$60,488	$275,586 Land $50,250 Building $225,336
2023	$559.00 (+0.36%) Homeowner's exemption	$57,072 (+3%)	$260,729 (+15.68%) Land $35,625 Building $225,104
2022	$557.00 Homeowner's exemption	$55,410	$225,393 Land $24,375 Building $201,018

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

Flood

FEMA maps place 1032 Ruth Dr in Zone X, an area of minimal flood risk, though there have been 43 flood claims nearby since 1994.

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 93 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	93 in force
Nearby Flood Claims	43 (1994–2024)
Claims Outside the SFHA	31 of 43
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 8 claims Hurricane Ian, Oct 2022 · 6 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 6 claims

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 1032 Ruth Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.05% 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	CITY OF EDGEWATER serves 28,552 people · EPA ID FL3640331
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	5 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	None 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Ruth Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures