1043 Lemon Bluff Rd, Osteen, FL 32764 Property Records

Volusia County property record for 1043 Lemon Bluff Rd, Osteen, FL 32764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,680 sqft · built 1990
Lot Size	0.231 acres (10,075 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Jul 2025)
Tax Bill	$3,183 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Apr 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`9228-01-04-0030`

Property Details

APN / Parcel Number

Primary APN	`9228-01-04-0030`
Alternative APNs	`32192801040030` `28193201040030` `3376552.0` `3376552`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,208 sqft
1st Floor Area	720 sqft
Upper Floors Area	672 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,075 sqft (0.231 acres)
Lot Dimensions	155 ft deep x 65 ft wide
View / Lot	River
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	493 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3376552
Street Address	1043 LEMON BLUFF RD
City	OSTEEN
State	FL
Zip	32764-9642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01A1
Legal Description	28-19-32 LOT 3 & N 15 FT MEAS ON W/L LOT 4 BLK D LEMON BLUFF MB 11 PG 188 EXC 12.5% SUBSURFACE RIGHTS PER OR 3250 PG 1073 PER OR 6605 PG 2858 PER OR 6605 PG 2862 PER OR 7679 PG 2618 PER OR 7936 PG 0889 PER OR 8723 PG 1283
Legal Range	32E
Legal Township	19S
Legal Section	28
Legal Subdivision	LEMON BLUFF MB
Legal Tract	01
Legal Block	D
Legal Lot Number	3,4
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	1
Census Block	1017
Census Tract	91005

Owner

1043 Lemon Bluff Rd is owned and occupied by an individual who bought it in July 2025.

Source: Volusia County records, as of October 13, 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	1043 LEMON BLUFF RD, OSTEEN, FL 32764-9642
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	Nov 2, 2020 · Amount on File
Deed Document Number	2025123515
Deed Book / Page	8723 / 1283
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0076792618
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Nov 2, 2020
Property Address	1043 LEMON BLUFF RD, OSTEEN, FL 32764-9642
Document Number	0079360889
Book / Page	7936 / 889
Map Reference	MB 11 PG 188
Instrument Date	Oct 23, 2020
Instrument	2020-211693
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	EDGEWATER TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1043 LEMON BLUFF RD, 1043, OSTEEN, FL 32764-9642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 LEMON BLUFF RD, OSTEEN, FL 32764-9642

Mortgage

Document Number	0007936891
Date	Nov 2, 2020
Instrument	7936/891

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VOLUSIA FL
Recording Date	Apr 10, 2019
Property Address	1043 LEMON BLUFF RD, OSTEEN, FL 32764-9642
Document Number	0076792618
Book / Page	007679 / 002618
Instrument Date	Mar 27, 2019
Instrument	69957
Transaction Type	Transfer
Record Updated	May 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2221 SANTA ANTILLES RD ORLANDO FL 328061535, ORLANDO, FL 32806-1535

Tax Assessment & Valuation

The 2025 property tax bill for 1043 Lemon Bluff Rd was $3,183.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$405,337 (+99.07%) Land $191,750 Building $213,587	$405,337 (+10.71%) Land $191,750 Building $213,587
2025	$3,183.00 Homeowner's exemption	$203,617	$366,122 Land $169,098 Building $197,024
2023	$2,844.00 (+2.23%) Homeowner's exemption	$182,128 (+3%)	$327,159 (+1.5%) Land $151,401 Building $175,758
2022	$2,782.00 Homeowner's exemption	$176,823	$322,323 Land $156,514 Building $165,809

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1043 Lemon Bluff Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	61 (1994–2024)
Claims Outside the SFHA	11 of 61
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 12 claims Hurricane Ian, Oct 2022 · 18 claims Tropical Storm Fay, Aug 2008 · 10 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 1043 Lemon Bluff Rd is high, ranking above 84% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Verizon.

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