3122 Willow Oak Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 3122 Willow Oak Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,681 sqft · built 1991
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Trust Names on File
Last Sale	$164,000 (Dec 2018)
Tax Bill	$2,682 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2018 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8402-01-14-1320`

Property Details

APN / Parcel Number

Primary APN	`8402-01-14-1320`
Alternative APNs	`34180201141320` `02183401141320` `3958829.0` `3958829`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,681 sqft Living Area
Gross Area	2,269 sqft
1st Floor Area	1,681 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed/Unfinished Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3958829
Street Address	3122 WILLOW OAK DR
City	EDGEWATER
State	FL
Zip	32141-6102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R2B
Legal Description	2-18-34 LOTS 14132 & 14133 BLK 455 FLORIDA SHORES NO 23 MB 19 PG 243 PER OR 4667 PG 1999 PER OR 5526 PG 0505 PER OR 6012 PG 2071 PER OR 7314 PG 2569 PER OR 7598 PG 3871 PER OR 7639 PG 1583
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	455
Legal Lot Number	14132
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1069
Census Tract	83007

Owner

3122 Willow Oak Dr is owner-occupied and held in a trust since December 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC
Dec 28, 2018	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Sep 17, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2018 · Amount on File
Deed Sale	Dec 28, 2018 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	2018257888
Deed Book / Page	7639 / 1583
Prior Transfer Date	Jan 22, 2007
Prior Transfer Doc	0060122071
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102

Mortgage

Document Number	0081864158
Date	Jan 13, 2022
Book Page	8186/4158
Instrument	2022009410

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Dec 28, 2018
Property Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102
Document Number	0076391583
Book / Page	7639 / 1583
Map Reference	MB 19 PG 243
Instrument Date	Dec 26, 2018
Instrument	2018-257888
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	BUYERS TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102

Mortgage

Document Number	2018257890
Date	Dec 28, 2018
Instrument	2018-257890

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Mortgage

Document Number	0076391585
Date	Dec 28, 2018
Book Page	7639/1585
Instrument	2018-257889

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	VOLUSIA FL
Recording Date	Sep 17, 2018
Property Address	3122 WILLOW OAK DR, EDGEWATER, FL 32141-6102
Document Number	0075983871
Book / Page	007598 / 003871
Instrument Date	Sep 17, 2018
Instrument	188451
Transaction Type	Foreclosure
Record Updated	Oct 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$791.70
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3122 Willow Oak Dr was $2,682 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		$194,239 (+2.7%)	$298,377 (+1.33%) Land $54,000 Building $244,377
2025	$2,682.00 Homeowner's exemption	$189,133	$294,471 Land $54,000 Building $240,471
2023	$2,606.00 (+2.56%) Homeowner's exemption	$178,450 (+3%)	$286,072 (+17.87%) Land $34,000 Building $252,072
2022	$2,541.00 Homeowner's exemption	$173,252	$242,696 Land $29,600 Building $213,096

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

Flood

FEMA maps place 3122 Willow Oak Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1994.

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 99 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	99 in force
Nearby Flood Claims	9 (1994–2025)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Oct 2025 · rainfall accumulation

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 3122 Willow Oak Dr 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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