2945 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 2945 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1989
Lot Size	0.276 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (Sep 2006)
Tax Bill	$1,963 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`8402-01-12-7710`

Property Details

APN / Parcel Number

Primary APN	`8402-01-12-7710`
Alternative APNs	`34180201127710` `02183401127710` `3953444.0` `3953444`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,084 sqft
1st Floor Area	1,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.276 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Patio Area	260 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3953444
Street Address	2945 UMBRELLA TREE DR
City	EDGEWATER
State	FL
Zip	32141-5627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R2B
Legal Description	LOTS 12771 TO 12773 EXC E 25 FT BLK 412 FLORIDA SHORES NO 19 MB 19 PG 239 PER OR 4608 PG 3860 PER OR 5911 PGS 2552-2553 PER OR 6179 PGS 4657-4658
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	412
Legal Lot Number	12771
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1071
Census Tract	83006

Owner

2945 Umbrella Tree Dr is owned and occupied by an individual who acquired it in March 2007.

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

Owner of Record	Individual Name on File
Mailing Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CREDIT UNION
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 30, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Mar 10, 2020	Deed of Trust, Mortgage · Conventional with PMI INTERCONTINENTAL CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2006 · Amount on File
Deed Sale	Sep 11, 2006 · Amount on File
Prior Sale	Nov 1, 2000 · Amount on File
Deed Document Number	2006228528
Deed Book / Page	5911 / 2552
Last Transfer Date	Mar 14, 2007
Transfer Doc	0061794657
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Recording Date	Sep 25, 2026
Property Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627
Document Number	0000175134
Book / Page	8908 / 4380
Instrument Date	Aug 28, 2026
Instrument	2026175134
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627

Mortgage

Document Number	0000175134,
Date	Sep 25, 2026
Book Page	8908/4380
Instrument	2026175134

Lender

Name	SPACE COAST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 25, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627
Transaction Type	Mortgage
Record Updated	Dec 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627

Mortgage

Document Number	0081592883
Date	Nov 22, 2021
Book Page	8159/2883
Instrument	2021-280671

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Aug 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077264045
Date	Jul 30, 2019
Book Page	7726/4045
Instrument	2019-149088

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2945 UMBRELLA TREE DR, EDGEWATER, FL 32141-5627
Document Number	0078341625
Instrument Date	Mar 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2945 UMBRELLA TREE DR EDGEWATER FL 321415627, EDGEWATER, FL 32141-5627

Mortgage

Document Number	0078341625
Date	Mar 26, 2020
Book Page	007834/001625
Instrument	62401

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2945 Umbrella Tree Dr was $1,963 with a homeowner's exemption.

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		$178,980 (+2.7%)	$253,700 (-3.14%) Land $59,616 Building $194,084
2025	$1,963.00 Homeowner's exemption Senior Citizen's exemption	$174,275	$261,922 Land $59,616 Building $202,306
2023	$1,883.00 (+3.46%) Senior Citizen's exemption	$164,432 (+3%)	$264,879 (+15.26%) Land $57,960 Building $206,919
2022	$1,820.00 Senior Citizen's exemption	$159,643	$229,806 Land $40,848 Building $188,958

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

Flood

FEMA maps place 2945 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 2945 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 Risk	Low lower than 64% of the US · lower than 90% 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 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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