2809 Willow Oak Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 2809 Willow Oak Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 1984
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on Record
Last Sale	$339,000 (Jun 2026)
Tax Bill	$2,707 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8402-01-13-0770`

Property Details

APN / Parcel Number

Primary APN	`8402-01-13-0770`
Alternative APNs	`34180201130770` `02183401130770` `3954751.0` `3954751`

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 1984
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	125 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Screened/Unfinished Porch
Porch Area	360 sqft
Patio Area	485 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3954751
Street Address	2809 WILLOW OAK DR
City	EDGEWATER
State	FL
Zip	32141-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R2B
Legal Description	LOTS 13077 13078 & 13079 BLK 419 FLORIDA SHORES NO 20 MB 19 PG 240 PER OR 5292 PG 0247 PER OR 7528 PG 3428
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	419
Legal Lot Number	13077
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1080
Census Tract	83006

Owner

Source: Volusia County records, as of July 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Dec 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 5, 2018	Warranty Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Apr 5, 2018 · Amount on Record
Deed Document Number	2026109416
Deed Book / Page	8867 / 2411
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jun 17, 2026
Property Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631
Document Number	0000109416
Book / Page	8867 / 2411
Instrument Date	Jun 12, 2026
Instrument	2026109416
Transaction Type	Transfer
Record Updated	Jul 8, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$239,673.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631

Mortgage

Document Number	0000109417,
Date	Jun 17, 2026
Instrument	2026109417

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631

Mortgage

Document Number	0083502344
Date	Dec 28, 2022
Book Page	8350/2344
Instrument	2022284226

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 27, 2023

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079492105
Date	Nov 30, 2020
Book Page	7949/2105
Instrument	2020-231167

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Apr 5, 2018
Property Address	2809 WILLOW OAK DR, EDGEWATER, FL 32141-5631
Document Number	0075283428
Book / Page	007528 / 003428
Instrument Date	Mar 29, 2018
Instrument	68244
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	FEDERAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,270.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2809 WILLOW OAK DR EDGEWATER FL 321415631, EDGEWATER, FL 32141-5631

Mortgage

Document Number	75283429
Date	Apr 5, 2018
Book Page	007528/003429
Instrument	68245

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

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		$195,626 (+2.7%)	$269,535 (+2.25%) Land $64,800 Building $204,735
2025	$2,707.00 (+2.93%) Homeowner's exemption	$190,483 (+5.99%)	$263,608 (+0.4%) Land $64,800 Building $198,808
2023	$2,630.00 (+2.53%) Homeowner's exemption	$179,724 (+3%)	$262,565 (+14.11%) Land $63,000 Building $199,565
2022	$2,565.00 Homeowner's exemption	$174,489	$230,091 Land $44,400 Building $185,691

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	0.06% 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	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 463 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

May also be available: Verizon.

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