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20 Winding Creek Way, Ormond Beach, FL 32174 Property Records

Volusia County property record for 20 Winding Creek Way, Ormond Beach, FL 32174

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 3,376 sqft · built 1988
Lot Size0.658 acres (28,639 sqft)
Owner2 Trust Names on Record
Last Sale$450,900 (Jan 2021)
Tax Bill$6,873 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Dec 2017 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN4126-01-00-0130

Property Details

APN / Parcel Number

Primary APN4126-01-00-0130
Alternative APNs
  • 31142601000130
  • 26143101000130
  • 4902180.0
  • 4902180

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area3,376 sqft Living Area
Gross Area4,126 sqft
1st Floor Area3,376 sqft
FlooringCombination, Other
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1994
Exterior MaterialBrick
Construction TypeWood
Roof TypeHip
Roof MaterialAsphalt
Lot Area28,639 sqft (0.658 acres)
Garage TypeAttached
Garage Area750 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

Pool Area450 sqft
PorchFinished/Open Porch
Porch Area88 sqft
Deck Area80 sqft
Patio Area677 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number4902180
Street Address20 WINDING CREEK WAY
CityORMOND BEACH
StateFL
Zip32174-6773
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code13PUD
Legal DescriptionLOT 13 PHASE I UNIT I BREAKAWAY TRAILS SUB MB 41 PGS 29-32 INC PER OR 2931 PG 0620 PER OR 6821 PG 0107 PER OR 7467 PG 0604 PER OR 7481 PGS 0854-0855 PER OR 7978 PG 3613
Legal Range31E
Legal Township14S
Legal Section26
Legal SubdivisionBREAKAWAY TRAILS SUB MB
Legal Phase1
Legal Tract01
Legal Lot Number13
Legal Unit1
JurisdictionVOLUSIA FL
Township / Civil DivisionCENTRAL VOLUSIA
Census Block Group1
Census Block1003
Census Tract83203

Owner

Source: Volusia County records, as of March 16, 2026

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

Owner of Record2 Trust Names on Record
Mailing Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2021Warranty Deed, Transfer · Conventional Mortgage
FIDELITY FUNDING MORTGAGE CORP
Dec 8, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Nov 3, 2017Warranty Deed, Transfer · Conventional Mortgage
SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 26, 2021 · Amount on Record
Deed SaleJan 26, 2021 · Amount on Record
Prior SaleNov 3, 2017 · Amount on Record
Deed Document Number202117540
Deed Book / Page7978 / 3613
Prior Transfer DateDec 5, 2017
Prior Transfer Doc0074810854
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateJan 26, 2021
Property Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773
Document Number0079783613
Book / Page7978 / 3613
Map ReferenceMB 41 PG 29-32
Instrument DateJan 22, 2021
Instrument2021-017540
Transaction TypeTransfer
Record UpdatedJan 4, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,156.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3258 APPLETON DR, 3258, TALLAHASSEE, FL 32311-3701

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773

Mortgage

Document Number0079783615
DateJan 26, 2021
Instrument7978/3615
Lender
NameFIDELITY FUNDING MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2051

December 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionVOLUSIA FL
Recording DateDec 8, 2017
Property Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773
Document Number0074810854
Book / Page007481 / 000854
Instrument DateDec 5, 2017
Instrument236978
Transaction TypeTransfer
Record UpdatedJan 9, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address20 WINDING CREEK WAY ORMOND BEACH FL 321746773, ORMOND BEACH, FL 32174-6773

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateNov 3, 2017
Property Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773
Document Number0074670604
Book / Page7467 / 0604
Map ReferenceMB41 PG29-32
Instrument DateOct 26, 2017
Instrument2017-212985
Transaction TypeTransfer
Record UpdatedJan 4, 2022
Title CompanyFIDELITY NATIONAL TITLE OF F

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address503 CROWNE SUNSET DR APT 1313, 503, ORMOND BEACH, FL 32174-0667

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6773

Mortgage

Document Number2017212986
DateNov 3, 2017
Instrument2017-212986
Lender
NameSUNTRUST MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyVolusia County
MunicipalityOrmond Beach City
Unified School DistrictVolusia County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$474,971 (+2.7%)$535,283 (-0.17%) Land $78,000 Building $457,283
2025$6,873.00 (+6.66%) Homeowner's exemption$462,484 (+5.99%)$536,208 (+11.39%) Land $78,000 Building $458,208
2023$6,444.00 (-19.07%) Homeowner's exemption$436,360 (-10.2%)$481,380 (-0.94%) Land $78,000 Building $403,380
2022$7,962.00$485,927 Land $102,000 Building $383,927$485,927 Land $102,000 Building $383,927

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 74 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies74 in force
Nearby Flood Claims46 (1994–2024)
Claims Outside the SFHA8 of 46
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Milton, Oct 2024 · 10 claims
  • Hurricane Ian, Sep 2022 · 6 claims
  • Hurricane Floyd Major Disaster Declarations, Sep 1999 · 10 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

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

Wildfire RiskModerate
above 69% of the US · above 50% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemORMOND BEACH
serves 59,744 people · EPA ID FL3640963
Water SourceGroundwater
Last State InspectionJun 2024
Lead4 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 136 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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