2981 Etta Ter, Deltona, FL 32738 Property Records

Volusia County property record for 2981 Etta Ter, Deltona, FL 32738

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,607 sqft · built 1974
Lot Size	0.482 acres (21,000 sqft)
Owner	2 Individual Names on File
Last Sale	$45,800 (Jul 1981)
Tax Bill	$2,320 (2024)
Deeds & Mortgages	Oct 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8130-40-37-0160`

Property Details

APN / Parcel Number

Primary APN	`8130-40-37-0160`
Alternative APNs	`31183040370160` `2795832.0` `2795832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,607 sqft Living Area
1st Floor Area	1,791 sqft
Upper Floors Area	816 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	125 ft deep x 168 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	350 sqft
Porch	Open Porch
Porch Area	639 sqft
Deck Area	144 sqft
Patio Area	250 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2795832.0
Old Parcel Number	31183040370160
Street Address	2981 ETTA TER
City	DELTONA
State	FL
Zip	32738-7908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOTS 16 & 17 BLK 1064 DELTONA LAKES UNIT 40 MB 27 PGS 224-240 INC PER OR 2286 PG 1579
Legal Range	31E
Legal Township	18S
Legal Section	30
Legal Subdivision	DELTONA
Legal Tract	40
Legal Block	1064
Legal Lot Number	16-17 17
Legal Unit	40
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	2
Census Block	2000
Census Tract	91038

Owner

2981 Etta Ter is owned and occupied by two individuals who bought it in July 1981.

Source: Volusia County records, as of December 19, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	2981 ETTA TER, DELTONA, FL 32738-7908
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 1981 · Amount on File
Deed Sale	Jul 15, 1981 · Amount on File
Deed Document Number	0022861579
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	2981 ETTA TER, DELTONA, FL 32738-7908
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 ETTA TER, DELTONA, FL 32738-7908

Mortgage

Document Number	0083280515
Date	Oct 26, 2022
Book Page	8328/515
Instrument	2022242475

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.05%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12%

Tax Assessment & Valuation

Source: Volusia County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$147,363	$348,542 Land $63,218 Building $285,324
2024	$2,320.00 (+4.88%)
2023	$2,212.00 (+1.47%) Homeowner's exemption	$139,039 (+3%)	$338,054 (+11.05%) Land $63,218 Building $274,836
2022	$2,180.00 Homeowner's exemption	$134,989	$304,416 Land $40,958 Building $263,458

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

Flood

FEMA maps place 2981 Etta Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force

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 2981 Etta Ter is low, with a 0.05% annual chance of wildfire.

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	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	DELTONA WATER serves 81,006 people · EPA ID FL3640287
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20