Volusia County property record for 270 Cumberland Ave, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 1988 |
| Lot Size | 0.176 acres (7,650 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $255,000 (Jun 2019) |
| Tax Bill | $2,964 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 4240-06-00-0060 |
| Primary APN | 4240-06-00-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 2,070 sqft |
| 1st Floor Area | 1,600 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,650 sqft (0.176 acres) |
| Lot Dimensions | 102 ft deep x 75 ft wide |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 470 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Patio Area | 255 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3156692 |
|---|---|
| Street Address | 270 CUMBERLAND AVE |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-5279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 SHERRIS SUB MB 37 PG 108 PER OR 4295 PG 0258 PER OR 5838 PG 4088 PER OR 7661 PG 0961 PER OR 7713 PG 4530 |
| Legal Range | 32E |
| Legal Township | 14S |
| Legal Section | 40 |
| Legal Subdivision | SHERRIS SUB MB |
| Legal Tract | 06 |
| Legal Lot Number | 6 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | ORMOND BEACH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 80700 |
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 Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 18, 2022 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Aug 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 28, 2019 | Grant Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on Record |
| Deed Sale | Jun 28, 2019 · Amount on Record |
| Prior Sale | Apr 13, 1998 · Amount on Record |
| Deed Document Number | 2019127856 |
| Deed Book / Page | 7713 / 4530 |
| Prior Transfer Date | May 4, 2006 |
| Prior Transfer Doc | 0058384088 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Document Number | 0083362815 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 8336/2815 |
| Instrument | 2022258109 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Title Company | MARKETPLACE TITLE LLC, MARKETPLACE TITLE |
| Name | Verified Name |
|---|---|
| Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Document Number | 0081412826 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 8141/2826 |
| Instrument | 2021-254144 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Document Number | 0078961812 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 7896/1812 |
| Instrument | 2020-153425 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Jul 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Jun 28, 2019 |
| Property Address | 270 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5279 |
| Document Number | 0077134530 |
| Book / Page | 007713 / 004530 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 127856 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2019 |
| Title Company | ABILITY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 CUMBERLAND AVE ORMOND BEACH FL 321745279, ORMOND BEACH, FL 32174-5279 |
| Document Number | 77134532 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 007713/004532 |
| Instrument | 127857 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 2049 |
Source: Volusia County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $229,618 (+2.7%) | $304,198 (+1.25%) Land $60,600 Building $243,598 | |
| 2025 | $2,964.00 (+7.27%) Homeowner's exemption | $223,582 (+5.99%) | $300,442 (+15.47%) Land $60,600 Building $239,842 |
| 2023 | $2,763.00 (+3.37%) Homeowner's exemption | $210,953 (+3%) | $260,201 (+4.05%) Land $41,284 Building $218,917 |
| 2022 | $2,673.00 Homeowner's exemption | $204,809 | $250,066 Land $41,284 Building $208,782 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 81 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 81 in force |
| Nearby Flood Claims | 66 (1979–2024) |
| Claims Outside the SFHA | 15 of 66 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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 | 0.05% 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 | 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 |
| 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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