3224 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 3224 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1983
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$139,000 (Nov 2018)
Tax Bill	$1,759 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8402-01-13-9230`

Property Details

APN / Parcel Number

Primary APN	`8402-01-13-9230`
Alternative APNs	`34180201139230` `3957989.0` `3957989`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,218 sqft Living Area
1st Floor Area	1,218 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3957989.0
Old Parcel Number	34180201139230
Street Address	3224 UMBRELLA TREE DR
City	EDGEWATER
State	FL
Zip	32141-6508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2B
Legal Description	LOTS 13923 & 13924 BLK 448 FLORIDA SHORES NO 23 MB 19 PG 243 PER OR 2998 PG 1068 PER OR 7626 PGS 1111-1112
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	SHORES
Legal Tract	1
Legal Block	448
Legal Lot Number	13923 13924
Jurisdiction	VOLUSIA FL
Township / Civil Division	NEW SMYRNA BEACH
Census Block Group	1
Census Block	1067
Census Tract	83007

Owner

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

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	3224 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 26, 2018	Warranty Deed, Transfer · FHA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2018 · Amount on Record
Deed Sale	Nov 26, 2018 · Amount on Record
Deed Document Number	2018-235796
Deed Book / Page	7626 / 1111
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	3224 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508

Mortgage

Document Number	0082744972
Date	Jun 27, 2022
Book Page	8274/4972
Instrument	2022151204

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 28, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Nov 26, 2018
Property Address	3224 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Document Number	0076261111
Book / Page	7626 / 1111
Map Reference	MB 19 PG 243
Instrument Date	Nov 19, 2018
Instrument	2018-235796
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6 SADDLERS RUN, 6, ORMOND BEACH, FL 32174-2453

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508

Mortgage

Document Number	2018235797
Date	Nov 26, 2018
Instrument	2018-235797

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

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

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
2025	$1,759.00 (+25.37%) Homeowner's exemption	$126,078 (+9.97%)	$203,153 (+9.68%) Land $54,000 Building $149,153
2023	$1,403.00 (+3.31%) Homeowner's exemption	$114,650 (+3%)	$185,224 (+16.38%) Land $34,000 Building $151,224
2022	$1,358.00 Homeowner's exemption	$111,311	$159,154 Land $29,600 Building $129,554

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

Flood

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 Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% 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	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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