1097 Reef Ct, Deltona, FL 32738 Property Records

Volusia County property record for 1097 Reef Ct, Deltona, FL 32738

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,563 sqft · built 1999
Lot Size	0.445 acres (19,388 sqft)
Owner	Individual Name on File
Last Sale	$194,000 (Dec 2018)
Tax Bill	$3,047 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8130-17-04-0530`

Property Details

APN / Parcel Number

Primary APN	`8130-17-04-0530`
Alternative APNs	`31183017040530` `2700840.0` `2700840`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,563 sqft Living Area
1st Floor Area	1,563 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	19,388 sqft (0.445 acres)
Lot Dimensions	148 ft deep x 131 ft wide
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Patio Area	288 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2700840.0
Old Parcel Number	31183017040530
Street Address	1097 REEF CT
City	DELTONA
State	FL
Zip	32738-6618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT 53 BLK 542 DELTONA LAKES UNIT 17 MB 25 PGS 241-244 INC PER OR 4509 PG 2641 PER OR 5410 PG 1266 PER OR 5870 PG 1978 PER OR
Legal Range	31E
Legal Township	18S
Legal Section	30
Legal Subdivision	DELTONA
Legal Tract	17
Legal Block	542
Legal Lot Number	53
Legal Unit	17
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	1
Census Block	1017
Census Tract	91039

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1097 REEF CT, DELTONA, FL 32738-6618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 11, 2018	Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC
Aug 8, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Prior Sale	Aug 8, 2018 · Amount on Record
Deed Document Number	2018-246544
Deed Book / Page	7632 / 3055
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	1097 REEF CT, DELTONA, FL 32738-6618
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 REEF CT, DELTONA, FL 32738-6618

Mortgage

Document Number	0084882128
Date	Nov 28, 2023
Book Page	8488/2128
Instrument	2023240102

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 18, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	1097 REEF CT, DELTONA, FL 32738-6618
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081203435
Date	Sep 20, 2021
Book Page	8120/3435
Instrument	2021-222537

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Dec 11, 2018
Property Address	1097 REEF CT, DELTONA, FL 32738-6618
Document Number	0076323055
Book / Page	7632 / 3055
Map Reference	MB 25 PG 241-244
Instrument Date	Dec 10, 2018
Instrument	2018-246544
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,358.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2212 E WILLIAMS FLD # RD11-225, 2212, GILBERT, AZ 85295-0771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1097 REEF CT, DELTONA, FL 32738-6618

Mortgage

Document Number	2018246545
Date	Dec 11, 2018
Instrument	2018-246545

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Aug 8, 2018
Property Address	1097 REEF CT, DELTONA, FL 32738-6618
Document Number	0075820798
Book / Page	007582 / 000798
Instrument Date	Aug 6, 2018
Instrument	160083
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1,248.67
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2212 E WILLIAMS FIELD ROAD 11 #2 GILBERT AZ 85295, 2, GILBERT, AZ 85295
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$186,481 (+5.99%)	$294,509 (+7.39%) Land $73,943 Building $220,566
2024	$3,047.00 (+3.78%)
2023	$2,936.00 (+1.14%) Homeowner's exemption	$175,948 (+3%)	$274,239 (+23.46%) Land $70,819 Building $203,420
2022	$2,903.00 Homeowner's exemption	$170,823	$222,119 Land $45,303 Building $176,816

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	DELTONA WATER serves 81,006 people · EPA ID FL3640287
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Reef Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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