395 S Atlantic Ave, Apt 108, Ormond Beach, FL 32176 Property Records

Volusia County property record for 395 S Atlantic Ave, Apt 108, Ormond Beach, FL 32176

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 2,082 sqft · built 1982
Owner	Owner Name on Record
Last Sale	$360,000 (Jun 2005)
Tax Bill	$2,501 (2025)
Deeds & Mortgages	Jul 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`4223-23-00-1080`

Property Details

APN / Parcel Number

Primary APN	`4223-23-00-1080`
Alternative APNs	`32142323001080` `4540784.0` `4540784`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,082 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1982

Location & Zoning

Account Number	4540784.0
Old Parcel Number	32142323001080
Street Address	395 S ATLANTIC AVE APT 108, 108
City	ORMOND BEACH
State	FL
Zip	32176-8154
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 108 TIDESFALL CONDO PER OR 2389 PGS 490 TO 527 INC PER OR 5579 PG 2974
Legal Range	32E
Legal Township	14S
Legal Section	23
Legal Subdivision	TIDESFALL CONDO
Legal Tract	23
Jurisdiction	VOLUSIA FL
Township / Civil Division	NORTH PENINSULA
Census Block Group	1
Census Block	1001
Census Tract	80500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Owner Name on Record
Mailing Address	395 S ATLANTIC AVE APT 108, 108, ORMOND BEACH, FL 32176-8154
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2005 · Amount on Record
Deed Sale	Jun 20, 2005 · Amount on Record
Prior Sale	Aug 14, 1998
Deed Document Number	2005-161200
Deed Book / Page	5579 / 2974
Record Updated	Jun 8, 2026

July 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	VOLUSIA FL
Property Address	395 S ATLANTIC AVE APT 108, 108, ORMOND BEACH, FL 32176-8154
Document Number	0074290935
Instrument Date	Jul 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 S ATLANTIC AVE #108 ORMOND BEACH FL 321768154, 108, ORMOND BEACH, FL 32176-8154

Mortgage

Document Number	0074290935
Date	Jul 27, 2017
Book Page	007429/000935
Instrument	148101

Lender

Name	SUNTRUST BK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Volusia County
Municipality	Ormond Beach City
Unified School District	Volusia County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,501.00 (+17.14%) Homeowner's exemption	$182,797 (+5.99%)	$429,471 (+51.9%) Building $429,471
2023	$2,135.00 (+3.59%) Homeowner's exemption	$172,472 (+3%)	$282,735 (-10.5%) Building $282,735
2022	$2,061.00 Homeowner's exemption	$167,449	$315,905 Building $315,905

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.

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 37 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	95 units insured incl. 58 condo units
Nearby Flood Claims	30 (1988–2024)
Claims Outside the SFHA	28 of 30
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 4 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 4 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 5 claims

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	Not rated no burnable land within ember reach

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	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

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 449 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20