148 Gary Ave, Oak Hill, FL 32759 Property Records

Volusia County property record for 148 Gary Ave, Oak Hill, FL 32759

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 2020
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Dec 2019)
Tax Bill	$320 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8538-05-00-1070`

Property Details

APN / Parcel Number

Primary APN	`8538-05-00-1070`
Alternative APNs	`35183805001070` `4056556.0` `4056556`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,757 sqft Living Area
1st Floor Area	1,104 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Storm Shutters	Storm Shutters

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Metal
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	126 sqft
Deck Area	480 sqft
Boat Access	Boat Access
Boat House	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	4056556.0
Old Parcel Number	35183805001070
Street Address	148 GARY AVE
City	OAK HILL
State	FL
Zip	32759-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MH5
Legal Description	LOT 107 INDIAN HARBOR ESTS UNIT 4 MB 26 PG 19 PER OR 1474 PG 0491 PER OR 6086 PG 0073 PER OR 7781 PG 4470
Legal Range	35E
Legal Township	18S
Legal Section	38
Legal Subdivision	HARBOR
Legal Tract	5
Legal Lot Number	107
Legal Unit	4
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	3
Census Block	3161
Census Tract	83003

Owner

148 Gary Ave is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	148 GARY AVE, OAK HILL, FL 32759-9713
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
Oct 19, 2022	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Dec 3, 2019	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2019 · Amount on File
Deed Sale	Dec 3, 2019 · Amount on File
Prior Sale	Jun 29, 2007 · Amount on File
Deed Document Number	2019-236681
Deed Book / Page	7781 / 4470
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	148 GARY AVE, OAK HILL, FL 32759-9713
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 GARY AVE, OAK HILL, FL 32759-9713

Mortgage

Document Number	0083244514
Date	Oct 19, 2022
Book Page	8324/4514
Instrument	2022236713

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	168 Months
Due	Oct 18, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	148 GARY AVE, OAK HILL, FL 32759-9713
Transaction Type	Mortgage
Record Updated	Sep 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 GARY AVE, OAK HILL, FL 32759-9713

Mortgage

Document Number	0081001968
Date	Aug 13, 2021
Book Page	8100/1968
Instrument	2021-191980

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	165 Months
Due	May 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	148 GARY AVE, OAK HILL, FL 32759-9713
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 GARY AVE, OAK HILL, FL 32759-9713

Mortgage

Document Number	0079421914
Date	Nov 16, 2020
Book Page	7942/1914
Instrument	2020-220978

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Dec 3, 2019
Property Address	148 GARY AVE, OAK HILL, FL 32759-9713
Document Number	0077814470
Book / Page	7781 / 4470
Map Reference	MB 26 PG 19
Instrument Date	Nov 25, 2019
Instrument	2019-236681
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 ARBOR DR S, 86, ORMOND BEACH, FL 32174-7004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22822 E BELLEVIEW LN, AURORA, CO 80015-6555

Mortgage

Document Number	2019236682
Date	Dec 3, 2019
Instrument	2019-236682

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$513,824	$543,833 Land $215,000 Building $328,833
2024	$320.00 (+52.38%)
2023	$210.00 (-96.87%) Homeowner's exemption	$485,906 (+41.86%) Land $170,000 Building $315,906	$485,906 (+2.96%) Land $170,000 Building $315,906
2022	$6,702.00 Senior Citizen's exemption	$342,520	$471,925 Land $122,500 Building $349,425

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

Flood

FEMA maps place 148 Gary Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	7 (2017–2022)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Hurricane Irma, Sep 2017 · 2 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 148 Gary Ave is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within 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	OAK PARK TRAILER COURT, LLC private · serves 90 people · EPA ID FL3050905
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CBN.

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