Volusia County property record for 1323 Umbrella Tree Dr, Edgewater, FL 32132
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 2004 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Nov 2020) |
| Tax Bill | $4,669 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8402-01-02-8230 |
| Primary APN | 8402-01-02-8230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| 1st Floor Area | 1,788 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 88 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 3915925.0 |
|---|---|
| Old Parcel Number | 34180201028230 |
| Street Address | 1323 UMBRELLA TREE DR |
| City | EDGEWATER |
| State | FL |
| Zip | 32132-2411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2B |
| Legal Description | LOTS 2823 & 2824 BLK 126 FLORIDA SHORES NO 4 MB 23 PG 104 PER OR 5521 PG 0674 PER OR 5764 PG 1934 PER OR 5764 PG 1935 PER OR |
| Legal Range | 34E |
| Legal Township | 18S |
| Legal Section | 02 |
| Legal Subdivision | SHORES |
| Legal Tract | 1 |
| Legal Block | 126 |
| Legal Lot Number | 2823 2824 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | NEW SMYRNA BEACH |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 83009 |
1323 Umbrella Tree Dr is owned and occupied by an individual who bought it in November 2020.
Source: Volusia County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Mar 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Nov 9, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Nov 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2020 · Amount on File |
| Deed Sale | Nov 9, 2020 · Amount on File |
| Prior Sale | Nov 12, 2019 · Amount on File |
| Deed Document Number | 2020-216538 |
| Deed Book / Page | 7939 / 1642 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 0082811859 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 8281/1859 |
| Instrument | 2022161493 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 0082153309 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 8215/3309 |
| Instrument | 2022054203 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Nov 9, 2020 |
| Property Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 0079391642 |
| Book / Page | 7939 / 1642 |
| Map Reference | MB 23 PG 104 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 2020-216538 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | COLUMBIA TITLE RESEARCH CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,743.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 0079391643 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 7939/1643 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 385 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Nov 12, 2019 |
| Property Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 0077721212 |
| Book / Page | 7772 / 1212 |
| Map Reference | MB 23 PG 104 |
| Instrument Date | Nov 6, 2019 |
| Instrument | 2019-221739 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | TIMIOS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4342 SPRINGDALE PATH, 4342, THE VILLAGES, FL 32163-4331 |
| Name | Verified Name |
|---|---|
| Address | 1323 UMBRELLA TREE DR, EDGEWATER, FL 32132-2411 |
| Document Number | 2019221740 |
|---|---|
| Date | Nov 12, 2019 |
| Instrument | 2019-221740 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2034 |
The 2025 property tax bill for 1323 Umbrella Tree Dr was $4,669 with a homeowner's exemption.
Source: Volusia County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Edgewater City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,669.00 Homeowner's exemption | $262,898 | $328,985 Land $54,000 Building $274,985 |
| 2023 | $3,918.00 (+2.24%) Homeowner's exemption | $248,048 (+3%) | $329,066 (+15.89%) Land $34,000 Building $295,066 |
| 2022 | $3,832.00 Homeowner's exemption | $240,823 | $283,954 Land $30,800 Building $253,154 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1323 Umbrella Tree 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 |
|
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 risk around 1323 Umbrella Tree Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 207 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Fiber | 10,000 / 10,000 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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