Volusia County property record for 20 Waterford Ct, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,182 sqft · built 1976 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,800 (May 2019) |
| Tax Bill | $1,978 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4125-04-00-0200 |
| Primary APN | 4125-04-00-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,182 sqft Living Area |
| 1st Floor Area | 1,182 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Wood Siding |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 162 sqft |
| Deck Area | 214 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2477229.0 |
|---|---|
| Old Parcel Number | 31142504000200 |
| Street Address | 20 WATERFORD CT |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-4847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 20 TYMBER CREEK PHASE 1 MB 34 PGS 98-103 INC PER OR 2545 PG 0182 PER OR 7689 PG 2360 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 25 |
| Legal Subdivision | TYMBER CREEK PH 01 |
| Legal Phase | 1 |
| Legal Tract | 4 |
| Legal Lot Number | 20 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 83203 |
Source: Volusia County records · APN 4125-04-00-0200
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 | Individual Name on File |
|---|---|
| Mailing Address | 20 WATERFORD CT, ORMOND BEACH, FL 32174-4847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| May 02, 2019 | Warranty Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 02, 2019 · Amount on Record |
| Deed Sale | May 02, 2019 · Amount on Record |
| Deed Document Number | 2019-087263 |
| Deed Book / Page | 7689 / 2360 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 20 WATERFORD CT, ORMOND BEACH, FL 32174-4847 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 20 WATERFORD CT, ORMOND BEACH, FL 32174-4847 |
| Document Number | 0080884865 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | 8088/4865 |
| Instrument | 2021-173884 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | May 02, 2019 |
| Property Address | 20 WATERFORD CT, ORMOND BEACH, FL 32174-4847 |
| Document Number | 0076892360 |
| Book / Page | 007689 / 002360 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 87263 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2019 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,125.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 WATERFORD CT ORMOND BEACH FL 321744847, ORMOND BEACH, FL 32174-4847 |
| Document Number | 76892361 |
|---|---|
| Date | May 02, 2019 |
| Book Page | 007689/002361 |
| Instrument | 87264 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2049 |
Source: Volusia County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| 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 | $1,978.00 (+17.67%) Homeowner's exemption | $153,346 (+5.99%) | $201,279 (-0.13%) Land $38,000 Building $163,279 |
| 2023 | $1,681.00 (+3.83%) Homeowner's exemption | $144,685 (+3%) | $201,537 (+9.75%) Land $38,000 Building $163,537 |
| 2022 | $1,619.00 Homeowner's exemption | $140,471 | $183,630 Land $31,000 Building $152,630 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 125 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 125 in force |
| Nearby Flood Claims | 43 (1994–2024) |
| Claims Outside the SFHA | 13 of 43 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 195 locations within half a mile of this property.
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 |
| 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.
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