Volusia County property record for 38 Winding Creek Way, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,802 sqft · built 1990 |
| Lot Size | 0.451 acres (19,638 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $715,000 (Mar 2022) |
| Tax Bill | $7,974 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4126-01-00-0270 |
| Primary APN | 4126-01-00-0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,802 sqft Living Area |
| Gross Area | 4,354 sqft |
| 1st Floor Area | 2,848 sqft |
| Upper Floors Area | 954 sqft |
| Basement Area | 832 sqft |
| Utility Room | Utility Room |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,638 sqft (0.451 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 535 sqft |
| Patio Area | 924 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 4902473 |
|---|---|
| Street Address | 38 WINDING CREEK WAY |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-6774 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 13PUD |
| Legal Description | LOT 27 PHASE I UNIT I BREAKAWAY TRAILS SUB MB 41 PGS 29-32 INC PER OR 4958 PG 3880 PER OR 6821 PG 4863 PER OR 7583 PGS 1925-1926 PER OR 8227 PG 0825 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 26 |
| Legal Subdivision | BREAKAWAY TRAILS SUB MB |
| Legal Phase | 1 |
| Legal Tract | 01 |
| Legal Lot Number | 27 |
| Legal Unit | 1 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 83203 |
Source: Volusia County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 38 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6774 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Aug 13, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2022 · Amount on Record |
| Deed Sale | Mar 29, 2022 · Amount on Record |
| Prior Sale | Aug 13, 2018 · Amount on Record |
| Deed Document Number | 202271815 |
| Deed Book / Page | 8227 / 825 |
| Prior Transfer Date | Jan 22, 2013 |
| Prior Transfer Doc | 0068214863 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Mar 29, 2022 |
| Property Address | 38 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6774 |
| Document Number | 0082270825 |
| Book / Page | 8227 / 825 |
| Map Reference | MB 41 PG 29 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 2022071815 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | REALTY PRO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,005.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6417 HANFIELD LN, 6417, PORT ORANGE, FL 32128-6795 |
| Name | Verified Name |
|---|---|
| Address | 38 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6774 |
| Document Number | 0008227827 |
|---|---|
| Date | Mar 29, 2022 |
| Instrument | 8227/827 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 38 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6774 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0078402160 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 7840/2160 |
| Instrument | 2020-070813 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Aug 13, 2018 |
| Property Address | 38 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6774 |
| Document Number | 0075831925 |
| Book / Page | 7583 / 1925 |
| Map Reference | MB 41 PG 29 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2018-162170 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,996.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 GREENWAY LN, 129, MADISON, MS 39110-7214 |
| Name | Verified Name |
|---|---|
| Address | 38 WINDING CREEK WAY, ALTAMONTE SPRINGS, FL 32714 |
| Document Number | 2018162171 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 2018-162171 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $544,046 (+2.7%) | $667,160 (+1.2%) Land $75,000 Building $592,160 | |
| 2025 | $7,974.00 (+6.6%) Homeowner's exemption | $529,743 (+5.99%) | $659,223 (+12.42%) Land $75,000 Building $584,223 |
| 2023 | $7,480.00 (+31.25%) Homeowner's exemption | $499,820 (+28.34%) | $586,369 (+5.74%) Land $75,000 Building $511,369 |
| 2022 | $5,699.00 Homeowner's exemption | $389,450 | $554,557 Land $66,000 Building $488,557 |
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 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 Record median of 74 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 74 in force |
| Nearby Flood Claims | 46 (1994–2024) |
| Claims Outside the SFHA | 8 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 | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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