2609 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 2609 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 1985
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Trust Names on Record
Last Sale	$123,609 (Mar 2016)
Tax Bill	$1,937 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8402-01-10-9860`

Property Details

APN / Parcel Number

Primary APN	`8402-01-10-9860`
Alternative APNs	`34180201109860` `02183401109860` `3946464.0` `3946464`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	1,480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1986
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	328 sqft
Deck Area	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3946464
Street Address	2609 UMBRELLA TREE DR
City	EDGEWATER
State	FL
Zip	32141-5311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R2B
Legal Description	LOTS 10986 & 10987 EXC E 25 FT BLK 350 FLORIDA SHORES NO 14 MB 19 PG 215 PER OR 3834 PG 2905 PER OR 5690 PG 1902 PER OR 7105 PG 0150 PER OR 7233 PG 2043
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	350
Legal Lot Number	10986
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1047
Census Tract	83006

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 Trust Names on Record
Mailing Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 3, 2017	Deed of Trust, Mortgage FLORIDA HOUSING FINANCE CORP
Jan 25, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2016 · Amount on Record
Deed Sale	Mar 29, 2016 · Amount on Record
Prior Sale	Apr 15, 2015 · Amount on Record
Deed Document Number	201654882
Deed Book / Page	7233 / 2043
Prior Transfer Date	Apr 13, 2015
Prior Transfer Doc	0071050150
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Recording Date	Jun 19, 2026
Property Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311
Document Number	0000111353
Book / Page	8868 / 3327
Instrument Date	May 30, 2026
Instrument	2026111353
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311

Mortgage

Document Number	0000111353,
Date	Jun 19, 2026
Book Page	8868/3327
Instrument	2026111353

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2046

Interest

Rate	6.3%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311

Mortgage

Document Number	0082092063
Date	Feb 25, 2022
Book Page	8209/2063
Instrument	2022044787

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073931455
Date	May 3, 2017
Book Page	7393/1455
Instrument	2017-087319

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2609 UMBRELLA TREE DR, EDGEWATER, FL 32141-5311

Mortgage

Document Number	0076483286
Date	Jan 25, 2019
Book Page	7648/3286
Instrument	2019-015554

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$156,949 (+2.7%)	$229,348 (-3.34%) Land $49,680 Building $179,668
2025	$1,937.00 (+3.8%) Homeowner's exemption Disabled Person's exemption	$152,823 (+5.99%)	$237,273 (+2.67%) Land $49,680 Building $187,593
2023	$1,866.00 (-1.58%) Senior Citizen's exemption	$144,192 (+3%)	$231,109 (+13.8%) Land $38,640 Building $192,469
2022	$1,896.00 Senior Citizen's exemption	$139,992	$203,079 Land $27,232 Building $175,847

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 100 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 in force
Nearby Flood Claims	28 (1999–2025)
Claims Outside the SFHA	28 of 28
Most Recent Claim	Oct 2025 · rainfall accumulation
Claims by Event	Hurricane Milton, Oct 2024 · 7 claims Hurricane Ian, Sep 2022 · 8 claims Hurricane Ian, Sep 2022 · 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	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	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

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 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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