2321 E Union Cir, Deltona, FL 32725 Property Records

Volusia County property record for 2321 E Union Cir, Deltona, FL 32725

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,878 sqft · built 1983
Lot Size	0.35 acres (15,252 sqft)
Owner	2 Trust Names on File
Last Sale	$235,000 (May 2020)
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Feb 2023 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8130-08-56-0020`

Property Details

APN / Parcel Number

Primary APN	`8130-08-56-0020`
Alternative APNs	`31183008560020` `30183108560020` `2658738.0` `2658738`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,878 sqft Living Area
Gross Area	2,298 sqft
1st Floor Area	1,620 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,252 sqft (0.35 acres)
Lot Dimensions	164 ft deep x 93 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Florida Room
Porch Area	318 sqft
Patio Area	514 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2658738
Street Address	2321 E UNION CIR
City	DELTONA
State	FL
Zip	32725-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01R
Legal Description	LOT 2 BLK 371 DELTONA LAKES UNIT 8 MB 25 PGS 165-178 INC PER OR 5138 PG 4819 PER OR 7857 PG 3310
Legal Range	31E
Legal Township	18S
Legal Section	30
Legal Subdivision	DELTONA LAKES
Legal Tract	08
Legal Block	371
Legal Lot Number	2
Legal Unit	8
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	2
Census Block	2003
Census Tract	91032

Owner

2321 E Union Cir is owner-occupied and held in a trust since February 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	2321 E UNION CIR, DELTONA, FL 32725-2738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 29, 2020	Warranty Deed, Transfer · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Aug 14, 2003 · Amount on File
Deed Document Number	202096059
Deed Book / Page	7857 / 3310
Last Transfer Date	Feb 13, 2023
Transfer Doc	0083710558
Record Updated	Jun 8, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	VOLUSIA FL
Recording Date	Feb 21, 2023
Property Address	2321 E UNION CIR, DELTONA, FL 32725-2738
Document Number	0083710558
Book / Page	8371 / 558
Map Reference	MB 25 PG 165-178
Instrument Date	Feb 13, 2023
Instrument	2023035765
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE PMAC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2321 E UNION CIR, DELTONA, FL 32725-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2321 E UNION CIR, DELTONA, FL 32725-2738

Mortgage

Document Number	0008371561
Date	Feb 21, 2023
Instrument	8371/561

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	May 29, 2020
Property Address	2321 E UNION CIR, DELTONA, FL 32725-2738
Document Number	0078573310
Book / Page	007857 / 003310
Instrument Date	May 22, 2020
Instrument	96059
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2321 E UNION CIR DELTONA FL 327252738, DELTONA, FL 32725-2738

Mortgage

Document Number	78573312
Date	May 29, 2020
Book Page	007857/003312
Instrument	96060

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2321 E Union Cir was $3,596 with a homeowner's exemption, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$217,046 (+2.7%)	$296,369 (+0.08%) Land $60,833 Building $235,536
2025	$3,596.00 (+2.45%) Homeowner's exemption	$211,340	$296,138 Land $60,833 Building $235,305
2024	$3,510.00 (+3.33%)
2023	$3,397.00 (+1.04%) Homeowner's exemption	$199,402 (+3%)	$270,994 (+17.35%) Land $62,119 Building $208,875
2022	$3,362.00 Homeowner's exemption	$193,594	$230,924 Land $43,697 Building $187,227

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

Flood

FEMA maps place 2321 E Union Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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 File median of 69 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	2 (2012–2022)
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 2321 E Union Cir is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% 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	DELTONA WATER serves 81,006 people · EPA ID FL3640287
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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