Volusia County property record for 321 Cumberland Ave, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 1976 |
| Lot Size | 0.436 acres (19,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (Apr 2009) |
| Tax Bill | $1,761 (2025) |
| Deeds & Mortgages | Jun 2020 Loan Modification |
| Flood Zone | Zone AE (high risk) |
| APN | 4240-03-07-0090 |
| Primary APN | 4240-03-07-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,673 sqft Living Area |
| Gross Area | 2,198 sqft |
| 1st Floor Area | 1,673 sqft |
| Flooring | Combination, Other |
| Interior Walls | Plaster |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,000 sqft (0.436 acres) |
| Lot Dimensions | 200 ft deep x 95 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 303 sqft |
| Deck Area | 178 sqft |
| Patio Area | 323 sqft |
| Storage Building | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 3155785 |
|---|---|
| Street Address | 321 CUMBERLAND AVE |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-5237 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 REPLAT BLK 7 ORMOND TERR ANNEX SUB MB 33 PG 109 PER OR 5572 PG 2588 PER OR 6260 PGS 1152-1154 INC PER OR 6342 PGS 0809-0814 INC PER OR 6342 PGS 0815-0816 |
| Legal Range | 32E |
| Legal Township | 14S |
| Legal Section | 40 |
| Legal Subdivision | ORMOND TERR ANNEX SUB MB |
| Legal Tract | 03 |
| Legal Block | 7 |
| Legal Lot Number | 9 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | ORMOND BEACH |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 80700 |
Source: Volusia County records, as of October 13, 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 | 321 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2009 · Amount on Record |
| Deed Sale | Apr 14, 2009 · Amount on Record |
| Prior Sale | Apr 14, 2009 · Amount on Record |
| Deed Document Number | 200964577 |
| Deed Book / Page | 6342 / 815 |
| Prior Transfer Date | Mar 4, 2009 |
| Prior Transfer Doc | 0063420809 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 321 CUMBERLAND AVE, ORMOND BEACH, FL 32174-5237 |
| Document Number | 0078720306 |
| Instrument Date | Jun 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 321 CUMBERLAND AVE ORMOND BEACH FL 321745237, ORMOND BEACH, FL 32174-5237 |
| Document Number | 0078720306 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 007872/000306 |
| Instrument | 117697 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 29, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
Source: Volusia County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $179,168 (+2.7%) | $393,564 (+1.07%) Land $143,640 Building $249,924 | |
| 2025 | $1,761.00 (-12.21%) Homeowner's exemption Senior Citizen's exemption | $174,458 (+5.99%) | $389,412 (+5.09%) Land $143,640 Building $245,772 |
| 2023 | $2,006.00 (+3.62%) Homeowner's exemption | $164,604 (+3%) | $370,549 (+4.19%) Land $143,640 Building $226,909 |
| 2022 | $1,936.00 Homeowner's exemption | $159,810 | $355,639 Land $143,640 Building $211,999 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 121 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 121 in force |
| Nearby Flood Claims | 46 (1979–2024) |
| Claims Outside the SFHA | 21 of 46 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORMOND BEACH serves 59,744 people · EPA ID FL3640963 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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