Volusia County property record for 321 Oak Fern Cir, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,083 sqft · built 1982 |
| Lot Size | 0.387 acres (16,894 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Nov 2021) |
| Tax Bill | $7,464 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Mar 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 4125-05-00-3210 |
| Primary APN | 4125-05-00-3210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,083 sqft Living Area |
| 1st Floor Area | 1,512 sqft |
| 2nd Floor Area | 1,571 sqft |
| Upper Floors Area | 1,571 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 16,894 sqft (0.387 acres) |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 52 sqft |
| Deck Area | 169 sqft |
| Patio Area | 369 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 2480271.0 |
|---|---|
| Old Parcel Number | 31142505003210 |
| Street Address | 321 OAK FERN CIR |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-4875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 321 TYMBER CREEK PHASE 2 MB 35 PGS 116-126 PER OR 3796 PG 1994 PER OR 8162 PG 0641 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 25 |
| Legal Subdivision | TYMBER CREEK PH 02 |
| Legal Phase | 2 |
| Legal Tract | 5 |
| Legal Lot Number | 321 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
321 Oak Fern Cir is owned and occupied by an individual who bought it in November 2021.
Source: Volusia County records, as of December 19, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 321 OAK FERN CIR, ORMOND BEACH, FL 32174-4875 |
| 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.
| Date | Document |
|---|---|
| Nov 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 2, 2017 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2021 · Amount on File |
| Deed Sale | Nov 29, 2021 · Amount on File |
| Deed Document Number | 2021-284467 |
| Deed Book / Page | 8162 / 641 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Nov 29, 2021 |
| Property Address | 321 OAK FERN CIR, ORMOND BEACH, FL 32174-4875 |
| Document Number | 0081620641 |
| Book / Page | 8162 / 641 |
| Map Reference | MB 35 PG 116-126 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2021-284467 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2021 |
| Title Company | SMART TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 321 OAK FERN CIR, 321, ORMOND BEACH, FL 32174-4875 |
| Name | Verified Name |
|---|---|
| Address | 321 OAK FERN CIR, ORMOND BEACH, FL 32174-4875 |
| Document Number | 0008162643 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 8162/643 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 321 OAK FERN CIR, ORMOND BEACH, FL 32174-4875 |
| Document Number | 0073761238 |
| Instrument Date | Mar 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 321 OAK FERN CIR ORMOND BEACH FL 321744875, ORMOND BEACH, FL 32174-4875 |
| Document Number | 0073761238 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 007376/001238 |
| Instrument | 57935 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 321 Oak Fern Cir was $7,464 with a homeowner's exemption.
Source: Volusia County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $7,464.00 Homeowner's exemption | $462,425 Land $51,000 Building $411,425 | $462,425 Land $51,000 Building $411,425 |
| 2023 | $6,274.00 (+2.95%) Homeowner's exemption | $425,987 (+3%) | $431,117 (+4.24%) Land $51,000 Building $380,117 |
| 2022 | $6,094.00 Homeowner's exemption | $413,580 Land $51,000 Building $362,580 | $413,580 Land $51,000 Building $362,580 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Oak Fern Cir 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 |
| Flood Insurance Cost | Premium on File median of 125 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 125 in force |
| Nearby Flood Claims | 43 (1994–2024) |
| Claims Outside the SFHA | 13 of 43 |
| 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.
Wildfire risk around 321 Oak Fern Cir is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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