23 Tomoka Cove Way, Ormond Beach, FL 32174 Property Records

Volusia County property record for 23 Tomoka Cove Way, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,608 sqft · built 1998
Lot Size	1.37 acres (59,685 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,275,000 (Nov 2025)
Tax Bill	$15,306 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4126-05-00-0110`

Property Details

APN / Parcel Number

Primary APN	`4126-05-00-0110`
Alternative APNs	`31142605000110` `26143105000110` `5281400.0` `5281400`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,608 sqft Living Area
Gross Area	5,336 sqft
1st Floor Area	3,102 sqft
Upper Floors Area	590 sqft
Flooring	Combination, Other
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2020
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Concrete
Lot Area	59,685 sqft (1.37 acres)
View / Lot	Greenbelt
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Pool House	396 sqft
Porch	Slab
Porch Area	483 sqft
Deck Area	Deck Area
Patio Area	302 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	5281400
Street Address	23 TOMOKA COVE WAY
City	ORMOND BEACH
State	FL
Zip	32174-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26-14-31 LOTS 11 & 12 BREAKAWAY TRAILS PHASE 3 UNIT 1 MB 44 PGS 1-7 INC PER OR 4222 PG 3794 PER OR 6721 PG 2355 PER OR 7534 PG 3438 PER OR 7781 PG 3278 PER OR 8479 PG 2523 PER OR 8783 PG 4411
Legal Subdivision	BREAKAWAY TRAILS PHASE 3
Legal Tract	05
Legal Lot Number	11,12
Jurisdiction	VOLUSIA FL
Township / Civil Division	CENTRAL VOLUSIA
Census Block Group	2
Census Block	2036
Census Tract	83203

Owner

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	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage BMO BANK NA
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC
Dec 3, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 19, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Nov 2, 2023 · Amount on Record
Deed Document Number	2025220598
Deed Book / Page	8783 / 4411
Prior Transfer Date	Apr 16, 2018
Prior Transfer Doc	0075343438
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802

Mortgage

Document Number	0082801589
Date	Jul 8, 2022
Book Page	8280/1589
Instrument	2022159769

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Nov 24, 2025
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Document Number	0087834411
Book / Page	8783 / 4411
Map Reference	MB 44 PG 1-7
Instrument Date	Nov 20, 2025
Instrument	2025220598
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	CLEAR CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 PERGOLA PL, ORMOND BEACH, FL 32174-1058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802

Mortgage

Document Number	0087834387
Date	Nov 24, 2025
Instrument	8783/4387

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Nov 2, 2023
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Document Number	0084792523
Book / Page	8479 / 2523
Map Reference	MB 44 PG 1
Instrument Date	Oct 30, 2023
Instrument	2023223848
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	REALTY PRO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,450.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802

Mortgage

Document Number	0084792525
Date	Nov 2, 2023
Instrument	8479/2525

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Document Number	0079694369
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY ORMOND BEACH FL 321741802, ORMOND BEACH, FL 32174-1802

Mortgage

Document Number	0079694369
Date	Jan 7, 2021
Book Page	007969/004369
Instrument	4794

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Dec 3, 2019
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Document Number	0077813278
Book / Page	007781 / 003278
Instrument Date	Dec 2, 2019
Instrument	236399
Transaction Type	Transfer
Record Updated	Dec 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$4,700.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY ORMOND BEACH FL 321741802, ORMOND BEACH, FL 32174-1802

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Apr 19, 2018
Property Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802
Document Number	0075343438
Book / Page	7534 / 3438
Map Reference	MB44 PG1
Instrument Date	Apr 16, 2018
Instrument	2018-078907
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 COPA D ORO, 700, MARATHON, FL 33050-5406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 TOMOKA COVE WAY, ORMOND BEACH, FL 32174-1802

Mortgage

Document Number	2018078908
Date	Apr 19, 2018
Instrument	2018-078908

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,029,148 (+5.25%) Land $132,600 Building $896,548	$1,029,148 (+5.25%) Land $132,600 Building $896,548
2025	$15,306.00 (+18.25%) Homeowner's exemption	$977,835 (+23.35%) Land $122,400 Building $855,435	$977,835 (+23.35%) Land $122,400 Building $855,435
2023	$12,944.00 (+33.87%)	$792,745 (+25.49%) Land $122,400 Building $670,345	$792,745 (+8.11%) Land $122,400 Building $670,345
2022	$9,669.00 Homeowner's exemption	$631,740	$733,290 Land $122,400 Building $610,890

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.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Frances, Sep 2004 · 9 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 4 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 Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	0.2% 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	ORMOND BEACH serves 59,744 people · EPA ID FL3640963
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 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 136 locations within half a mile, as of December 31, 2025

Provider	Max 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

23 Tomoka Cove Way, Ormond Beach, FL 32174 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Tomoka Cove Way

Nearby Streets

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