Volusia County property record for 39 Winding Creek Way, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,515 sqft · built 1988 |
| Lot Size | 0.486 acres (21,172 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $535,000 (May 2022) |
| Tax Bill | $7,107 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4126-01-00-0380 |
| Primary APN | 4126-01-00-0380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,753 sqft Living Area |
| Gross Area | 3,351 sqft |
| 1st Floor Area | 2,515 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,172 sqft (0.486 acres) |
| Garage Type | Attached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 334 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 4902651 |
|---|---|
| Street Address | 39 WINDING CREEK WAY |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-6776 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 13PUD |
| Legal Description | LOT 38 PHASE I UNIT I BREAKAWAY TRAILS SUB MB 41 PGS 29-32 INC PER OR 2878 PG 0446 PER OR 8256 PG 2106 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 26 |
| Legal Subdivision | BREAKAWAY TRAILS SUB MB |
| Legal Phase | 1 |
| Legal Tract | 01 |
| Legal Lot Number | 38 |
| Legal Unit | 1 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 83203 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 39 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6776 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 6, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on Record |
| Deed Sale | May 18, 2022 · Amount on Record |
| Prior Sale | Sep 15, 1986 · Amount on Record |
| Deed Document Number | 2022120283 |
| Deed Book / Page | 8256 / 2106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 39 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6776 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 39 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6776 |
| Document Number | 0084284803 |
|---|---|
| Date | Jul 6, 2023 |
| Book Page | 8428/4803 |
| Instrument | 2023136551 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jul 3, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | May 18, 2022 |
| Property Address | 39 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6776 |
| Document Number | 0082562106 |
| Book / Page | 8256 / 2106 |
| Map Reference | MB 41 PG 29-32 |
| Instrument Date | May 13, 2022 |
| Instrument | 2022120283 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2022 |
| Title Company | PROFESSIONAL TITLE, PROFESSIONAL TTL AGCY A DIV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,745.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 61 SHADOWCREEK WAY, 61, ORMOND BEACH, FL 32174-6794 |
| Name | Verified Name |
|---|---|
| Address | 39 WINDING CREEK WAY, ORMOND BEACH, FL 32174-6776 |
| Document Number | 0082562108 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 8256/2108 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
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 | $453,277 (-4.93%) Land $75,000 Building $378,277 | $453,277 (-4.93%) Land $75,000 Building $378,277 | |
| 2025 | $7,107.00 (+2.27%) Homeowner's exemption | $476,792 (+12.03%) Land $75,000 Building $401,792 | $476,792 (+12.03%) Land $75,000 Building $401,792 |
| 2023 | $6,949.00 (+137.49%) | $425,585 (+92.81%) Land $75,000 Building $350,585 | $425,585 (+18.19%) Land $75,000 Building $350,585 |
| 2022 | $2,926.00 Senior Citizen's exemption | $220,731 | $360,098 Land $66,000 Building $294,098 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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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