14 Island Cay Dr, Ormond Beach, FL 32176 Property Records

Volusia County property record for 14 Island Cay Dr, Ormond Beach, FL 32176

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1992
Lot Size	0.198 acres (8,643 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jan 2022)
Tax Bill	$6,393 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3221-23-00-0210`

Property Details

APN / Parcel Number

Primary APN	`3221-23-00-0210`
Alternative APNs	`32132123000210` `21133223000210` `4821554.0` `4821554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	2,151 sqft
1st Floor Area	1,710 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,643 sqft (0.198 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Finished/Open Porch
Porch Area	223 sqft
Patio Area	332 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4821554
Street Address	14 ISLAND CAY DR
City	ORMOND BEACH
State	FL
Zip	32176-2300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01R4
Legal Description	LOT 21 ISLAND 28 MB 40 PG 159 PER OR 3175 PG 1057 PER OR 7614 PG 4688 PER OR 8194 PG 0366 PER OR 8448 PG 1962
Legal Range	32E
Legal Township	13S
Legal Section	21
Legal Subdivision	ISLAND 28 MB
Legal Tract	23
Legal Lot Number	21
Jurisdiction	VOLUSIA FL
Township / Civil Division	NORTH PENINSULA
Census Block Group	2
Census Block	2002
Census Tract	80202

Owner

Source: Volusia County records · APN 3221-23-00-0210

Assessment roll updated March 16, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	170 LEICESTER ST, NORTH BILLERICA, MA 01862-1929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Aug 15, 1988 · Amount on Record
Deed Document Number	202220537
Deed Book / Page	8194 / 366
Last Transfer Date	Aug 16, 2023
Transfer Doc	0000169526
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	14 ISLAND CAY DR, ORMOND BEACH, FL 32176-2300
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1650 HARRISON ST, DENVER, CO 80206-1919

Mortgage

Document Number	0081940367
Date	Jan 27, 2022
Book Page	8194/367
Instrument	2022020538

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated March 16, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$397,895 (+2.7%)	$408,865 (+1.06%) Land $162,000 Building $246,865
2025	$6,393.00 (+3.68%) Homeowner's exemption	$387,435 (+5.99%)	$404,589 (+10.68%) Land $162,000 Building $242,589
2023	$6,166.00 (+119.59%) Homeowner's exemption	$365,551 (+107.18%) Land $86,720 Building $278,831	$365,551 (+3.61%) Land $86,720 Building $278,831
2022	$2,808.00 Senior Citizen's exemption	$176,445	$352,799 Land $86,720 Building $266,079

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	157 units insured incl. 123 condo units
Nearby Flood Claims	41 (1992–2022)
Claims Outside the SFHA	35 of 41
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Matthew, Oct 2016 · 4 claims Hurricane Frances, Sep 2004 · 6 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 7 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wire 3 Holdings Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 366 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ORMOND BEACH serves 59,744 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.