3228 Umbrella Tree Dr, Edgewater, FL 32141 Property Records

Volusia County property record for 3228 Umbrella Tree Dr, Edgewater, FL 32141

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1981
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Feb 2021)
Tax Bill	$2,546 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8402-01-13-9210`

Property Details

APN / Parcel Number

Primary APN	`8402-01-13-9210`
Alternative APNs	`34180201139210` `02183401139210` `3957971.0` `3957971`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1994
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	256 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3957971
Street Address	3228 UMBRELLA TREE DR
City	EDGEWATER
State	FL
Zip	32141-6508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07R2B
Legal Description	LOTS 13921 & 13922 BLK 448 FLORIDA SHORES NO 23 MB 19 PG 243 PER OR 4882 PG 1135 PER OR 6201 PG 4073 PER OR 6306 PG 2020 PER PR 6368 PGS 2613-2630 INC PER OR 6381 PG 3281 PER OR 6762 PGS 3625-3626 PER OR 7192 PG 1144 PER OR 7461 PG 4469 PER OR 7982 P
Legal Range	34E
Legal Township	18S
Legal Section	02
Legal Subdivision	FLORIDA SHORES
Legal Tract	01
Legal Block	448
Legal Lot Number	13921
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 April 2, 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	3228 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 20, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	202137110
Deed Book / Page	7992 / 2163
Prior Transfer Date	Oct 24, 2008
Prior Transfer Doc	0063682613
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	3228 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 INDIA PALM DR, EDGEWATER, FL 32141-6206

Mortgage

Document Number	0079922166
Date	Feb 18, 2021
Book Page	7992/2166
Instrument	2021-037111

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Oct 20, 2017
Property Address	3228 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508
Document Number	0074614469
Book / Page	7461 / 4469
Map Reference	MB19 PG243
Instrument Date	Oct 12, 2017
Instrument	2017-203638
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	INLET TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 UMBRELLA TREE DR, EDGEWATER, FL 32141-6508

Mortgage

Document Number	2017203639
Date	Oct 20, 2017
Instrument	2017-203639

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

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		$186,462 (+2.7%)	$211,958 (+1.15%) Land $54,000 Building $157,958
2025	$2,546.00 (+3.04%) Homeowner's exemption	$181,560 (+5.99%)	$209,554 (+6.87%) Land $54,000 Building $155,554
2023	$2,471.00 (+2.57%) Homeowner's exemption	$171,305 (+3%)	$196,090 (+17.9%) Land $34,000 Building $162,090
2022	$2,409.00 Homeowner's exemption	$166,316 Land $29,600 Building $136,716	$166,316 Land $29,600 Building $136,716

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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