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2908 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 2908 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,493 sqft · built 2023
Lot Size0.23 acres (10,000 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Aug 2023)
Tax Bill$4,805 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN8402-01-12-8710

Property Details

APN / Parcel Number

Primary APN8402-01-12-8710
Alternative APNs
  • 34180201128710
  • 02183401128710
  • 3953860.0
  • 3953860

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,493 sqft Living Area
Gross Area1,853 sqft
1st Floor Area1,493 sqft
FlooringCombination, Other

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete Block/Stucco
Foundation TypeSlab (Mat/Raft)
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,000 sqft (0.23 acres)
Lot Dimensions125 ft deep x 80 ft wide
Garage TypeAttached
Garage Area360 sqft
Parking Spaces1 Parking Space
PorchSlab
Patio Area100 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Account Number3953860
Street Address2908 UMBRELLA TREE DR
CityEDGEWATER
StateFL
Zip32141-5603
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code07R2B
Legal Description10-18-34 LOTS 12871 & 12872 BLK 415 FLORIDA SHORES NO 20 MB 19 PG 240 PER OR 8274 PG 1311 PER OR 8338 PG 2545 PER OR 8443 PG 2869
Legal Range34E
Legal Township18S
Legal Section02
Legal SubdivisionFLORIDA SHORES
Legal Tract01
Legal Block415
Legal Lot Number12871
JurisdictionVOLUSIA FL
Township / Civil DivisionNEW SMYRNA BEACH
Census Block Group1
Census Block1079
Census Tract83006

Owner

2908 Umbrella Tree Dr is owned and occupied by two individuals who bought it in August 2023.

Source: Volusia County records, as of October 13, 2026

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

Owner of Record2 Individual Names on File
Mailing Address2908 UMBRELLA TREE DR, EDGEWATER, FL 32141-5603
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 7, 2023 · Amount on File
Deed SaleAug 7, 2023 · Amount on File
Prior SaleNov 23, 2022 · Amount on File
Deed Document Number2023161225
Deed Book / Page8443 / 2869
Prior Transfer DateNov 18, 2022
Prior Transfer Doc0000261601
Record UpdatedOct 29, 2026

August 2023: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionVOLUSIA FL
Recording DateAug 7, 2023
Property Address2908 UMBRELLA TREE DR, EDGEWATER, FL 32141-5603
Document Number0084432869
Book / Page8443 / 2869
Map ReferenceMB 19 PG 240
Instrument DateJul 21, 2023
Instrument2023161225
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 11, 2024
Title CompanySTEEL CITY TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3999 W STATE ROAD 46, SANFORD, FL 32771-9726

Transferred To (Grantee/Buyer)

NameVerified Name
Address2908 UMBRELLA TREE DR, EDGEWATER, FL 32141-5603

Mortgage

Document Number0084432870
DateAug 7, 2023
Instrument8443/2870
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2053

Mortgage

Document Number0084432883
DateAug 7, 2023
Book Page8443/2883
Instrument2023161227
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2908 Umbrella Tree Dr was $4,805 with exemptions applied.

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

Property Jurisdictions

TypeName
StateFlorida
CountyVolusia County
MunicipalityEdgewater City
Unified School DistrictVolusia County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$302,208 (-3.08%) Land $54,000 Building $248,208$302,208 (-3.08%) Land $54,000 Building $248,208
2025$4,805.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$311,802 Land $54,000 Building $257,802$311,802 Land $54,000 Building $257,802
2023$791.00 (-2.94%)$42,000 (-29.05%) Land $42,000$42,000 (-29.05%) Land $42,000
2022$815.00$59,200 Land $59,200$59,200 Land $59,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2908 Umbrella Tree Dr in Zone X, an area of minimal flood risk, though there have been 28 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 100 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies100 in force
Nearby Flood Claims28 (1999–2025)
Claims Outside the SFHA28 of 28
Most Recent ClaimOct 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

Wildfire risk around 2908 Umbrella Tree Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
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 SystemCITY OF EDGEWATER
serves 28,552 people · EPA ID FL3640331
Water SourceGroundwater
Last State InspectionDec 2023
Lead5 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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