Volusia County property record for 2109 Umbrella Tree Dr, Edgewater, FL 32141
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,812 sqft · built 1990 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,000 (Jan 2024) |
| Tax Bill | $5,218 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 8402-01-03-9890 |
| Primary APN | 8402-01-03-9890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Gross Area | 2,274 sqft |
| 1st Floor Area | 1,812 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood Frame (Stucco or Asbestos) |
| Construction Type | Wood |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 300 sqft |
| Deck Area | 340 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3920198 |
|---|---|
| Street Address | 2109 UMBRELLA TREE DR |
| City | EDGEWATER |
| State | FL |
| Zip | 32141-3715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 07R2B |
| Legal Description | LOTS 3989 & 3990 EXC E 25 FT BLK 117 FLORIDA SHORES NO 5 MB 23 PGS 107-108 INC PER OR 5190 PGS 0459-0460 PER OR 8512 PG 2134 |
| Legal Range | 34E |
| Legal Township | 18S |
| Legal Section | 02 |
| Legal Subdivision | FLORIDA SHORES |
| Legal Tract | 01 |
| Legal Block | 117 |
| Legal Lot Number | 3989 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | NEW SMYRNA BEACH |
| Census Block Group | 2 |
| Census Block | 2058 |
| Census Tract | 83006 |
Source: Volusia County records, as of October 13, 2026
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 Record |
|---|---|
| Mailing Address | 2019 UMBRELLA TREE DR, EDGEWATER, FL 32141-3713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 4, 2025 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jan 31, 2024 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on Record |
| Deed Sale | Jan 31, 2024 · Amount on Record |
| Prior Sale | Oct 21, 2003 · Amount on Record |
| Deed Document Number | 202419213 |
| Deed Book / Page | 8512 / 2134 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 2109 UMBRELLA TREE DR, EDGEWATER, FL 32141-3715 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2109 UMBRELLA TREE DR, EDGEWATER, FL 32141-3715 |
| Document Number | 0087494846 |
|---|---|
| Date | Sep 4, 2025 |
| Book Page | 8749/4846 |
| Instrument | 2025166334 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Jan 31, 2024 |
| Property Address | 2109 UMBRELLA TREE DR, EDGEWATER, FL 32141-3715 |
| Document Number | 0085122134 |
| Book / Page | 8512 / 2134 |
| Map Reference | MB 23 PG 107&108 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024019213 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,827.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 OLNEY ST APT 114, 114, TAUNTON, MA 02780-4147 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2019 UMBRELLA TREE DR, EDGEWATER, FL 32141-3713 |
| Document Number | 0085122138 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 8512/2138 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
Source: Volusia County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Edgewater City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $261,890 (-3.2%) Land $54,000 Building $207,890 | $261,890 (-3.2%) Land $54,000 Building $207,890 | |
| 2025 | $5,218.00 (+245.79%) Homeowner's exemption | $270,534 (+211.94%) Land $54,000 Building $216,534 | $270,534 (+5.91%) Land $54,000 Building $216,534 |
| 2023 | $1,509.00 (-2.2%) Disabled Person's exemption Veteran's exemption | $86,725 (+3%) | $255,429 (+14.25%) Land $42,000 Building $213,429 |
| 2022 | $1,543.00 Disabled Person's exemption Veteran's exemption | $84,199 | $223,561 Land $29,600 Building $193,961 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Record 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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