Volusia County property record for 20 Upper Cay Dr, Ormond Beach, FL 32176 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 2,332 sqft Living Area |
| Garage | 480 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,315.00 (2025) |
| Primary APN | 3221-23-00-0180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,332 sqft Living Area |
| 1st Floor | 2,332 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Combination, Other Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick Exterior |
| Construction Type | Wood Frame Construction |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Construction | Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Parking Spaces | 4 Parking Spaces |
| Garage Area | 480 sqft Garage |
| Porch | Open Porch |
| Porch Area | 18 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 4821520.0 |
|---|---|
| Old Parcel Number | 32132123000180 |
| Street Address | 20 UPPER CAY DR |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32176-2392 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 18 ISLAND 28 SUB MB 40 PG 159 PER OR 4427 PG 1205 |
| Legal Range | 32E |
| Legal Township | 13S |
| Legal Section | 21 |
| Legal Subdivision | ISLAND |
| Legal Tract | 23 |
| Legal Lot Number | 18 |
| Jurisdiction | VOLUSIA FL |
| Minor Civil Division | NORTH PENINSULA |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 80202 |
Source: Volusia County records · APN 3221-23-00-0180
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 20 UPPER CAY DR, ORMOND BEACH, FL 32176-2392 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 1999 |
| Deed Sale | Apr 26, 1999 |
| Prior Sale | Apr 26, 1999 |
| Deed Doc Number | 0442701205 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 20 UPPER CAY DR, ORMOND BEACH, FL 32176-2392 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20 UPPER CAY DR, ORMOND BEACH, FL 32176-2392 |
| Document Number | 0084893971 |
|---|---|
| Date | Nov 30, 2023 |
| Book Page | 8489/3971 |
| Instrument | 2023242945 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Volusia County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Unified School District | Volusia County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,315.00 (+4.48%) Homeowner's exemption | $209,843 (+5.99%) | $445,149 (-1.36%) Land $162,000 Building $283,149 |
| 2023 | $3,173.00 (+2.19%) Homeowner's exemption | $197,991 (+3%) | $451,308 (+9.25%) Land $86,720 Building $364,588 |
| 2022 | $3,105.00 Homeowner's exemption | $192,224 | $413,082 Land $86,720 Building $326,362 |
Source: FEMA National Flood Hazard Layer, Volusia County (12127C), updated October 2, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures