1922 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 1922 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,765 sqft · built 1981
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Trust Names on File
Last Sale	$63,600 (Jul 1997)
Tax Bill	$883 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8402-01-04-0810`

Property Details

APN / Parcel Number

Primary APN	`8402-01-04-0810`
Alternative APNs	`34180201040810` `02183401040810` `3920562.0` `3920562`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,765 sqft Living Area
Gross Area	2,311 sqft
1st Floor Area	1,765 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	140 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3920562
Street Address	1922 UMBRELLA TREE DR
City	EDGEWATER
State	FL
Zip	32141-3712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R1B
Legal Description	LOTS 4081 & 4082 BLK 130 FLORIDA SHORES NO 5 MB 23 PGS 107-108 INC PER OR 2476 PG 0385 PER D/C PER OR 4216 PGS 3644-3646 INC
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	130
Legal Lot Number	4081
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	2
Census Block	2015
Census Tract	83006

Owner

1922 Umbrella Tree Dr is owner-occupied and held in a trust since July 1997.

Source: Volusia County records, as of March 27, 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	2 Trust Names on File
Mailing Address	1922 UMBRELLA TREE DR, EDGEWATER, FL 32141-3712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 1997 · Amount on File
Deed Sale	Jul 9, 1997 · Amount on File
Prior Sale	Jul 9, 1997
Deed Book / Page	4216 / 3644
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	1922 UMBRELLA TREE DR, EDGEWATER, FL 32141-3712
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1922 UMBRELLA TREE DR, EDGEWATER, FL 32141-3712

Mortgage

Document Number	0082103045
Date	Feb 28, 2022
Book Page	8210/3045
Instrument	2022046593

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.23%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.23%

Tax Assessment & Valuation

The 2025 property tax bill for 1922 Umbrella Tree Dr was $883 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,826 (+2.7%)	$269,809 (+1.15%) Land $54,000 Building $215,809
2025	$883.00 Homeowner's exemption	$89,412	$266,743 Land $54,000 Building $212,743
2023	$832.00 (+4.52%) Homeowner's exemption	$84,363 (+3%)	$271,039 (+18.26%) Land $34,000 Building $237,039
2022	$796.00 Homeowner's exemption	$81,906	$229,188 Land $29,600 Building $199,588

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

Flood

FEMA maps place 1922 Umbrella Tree Dr in Zone X, an area of minimal flood risk, though there have been 72 flood claims nearby since 1991.

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 155 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	155 in force
Nearby Flood Claims	72 (1991–2025)
Claims Outside the SFHA	72 of 72
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 30 claims Hurricane Ian, Nov 2022 · 14 claims Hurricane Ian, Sep 2022 · 20 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 1922 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 65% of the US · lower than 91% 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.

Drinking Water

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

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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20