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432 Palm Ave, Ormond Beach, FL 32174 Property Records

Volusia County property record for 432 Palm Ave, Ormond Beach, FL 32174 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2017
Square Footage1,794 sqft Living Area
Lot Size11,250 sqft (0.258 acres)
OccupancyOwner Occupied
Last Sale$620,000 (2026)
Tax Bill$7,929.00 (2025)

Property Details

APN / Parcel Number

Primary APN4238-07-20-0090
Alternative APNs
  • 32143807200090
  • 38143207200090
  • 3144155.0
  • 3144155

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,794 sqft Living Area
Gross Area2,388 sqft Gross Area
1st Floor1,794 sqft 1st Floor
Stories1 Stories
Primary FlooringCombination, Other Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2017
Exterior MaterialConcrete Block Exterior
Construction TypeWood Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area11,250 sqft (0.258 acres)
Depth X Width150 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area594 sqft Garage

Exterior Amenities

Pool Area450 sqft Pool
Shed1 Shed
Shed Area126 sqft Shed
Patio Area424 sqft Patio
Porch Area628 sqft Porch
Boat AccessBoat Access
Boat House240 sqft Boat House

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3144155
Street Address432 PALM AVE
CityORMOND BEACH
StateFL
Zip32174-3313
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 9 BLK 20 TOMOKA ESTATES UNIT 5 MB 23 PGS 52-53 INC PER OR 4764 PG 3027 PER UNREC D/C PER OR 7079 PG 3668 PER OR 7117 PG 4394 PER OR 8050 PG 1098
Legal Range32E
Legal Township14S
Legal Section38
Legal SubdivisionTOMOKA ESTATE
Legal Tract07
Legal Block20
Legal Lot Number9
Legal Unit5
JurisdictionVOLUSIA FL
Minor Civil DivisionORMOND BEACH
Census Blockgroup2
Census Block2024
Census Tract80101

Owner

Source: Volusia County records · APN 4238-07-20-0090

Assessment roll updated March 16, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address432 PALM AVE, ORMOND BEACH, FL 32174-3313
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 21, 2026Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Oct 20, 2025Deed of Trust, Mortgage · Line of Credit
INTRACOASTAL BANK
May 19, 2021Warranty Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 21, 2026 · Amount on Record
Deed SaleJul 21, 2026 · Amount on Record
Prior SaleMay 19, 2021 · Amount on Record
Deed Doc Number2026131484
Deed Book / Page8881 / 3189
Prior Transfer DateOct 18, 2001
Prior Transfer Doc4764003027
Record RefreshedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateJul 21, 2026
Property Address432 PALM AVE, ORMOND BEACH, FL 32174-3313
Document Number0000131484
Book / Page8881 / 3189
Instrument DateJul 20, 2026
Instrument2026131484
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyROCKET MORTGAGE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$438,340.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 PALM AVE, ORMOND BEACH, FL 32174-3313

Mortgage

Document Number0000131485,
DateJul 21, 2026
Book Page8881/3190
Instrument2026131485
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.48%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Property Address432 PALM AVE, ORMOND BEACH, FL 32174-3313
Transaction TypeMortgage
Record UpdatedNov 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address432 PALM AVE, ORMOND BEACH, FL 32174-3313

Mortgage

Document Number0087691091
DateOct 20, 2025
Book Page8769/1091
Instrument2025196868
Lender
NameINTRACOASTAL BANK
TypeBank
AddressDAYTONA BEACH, FL 32117
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateMay 19, 2021
Property Address432 PALM AVE, ORMOND BEACH, FL 32174-3313
Document Number0080501098
Book / Page8050 / 1098
Map ReferenceMB 23 PG 52-53
Instrument DateMay 14, 2021
Instrument2021-116163
Transaction TypeTransfer
Record UpdatedJun 16, 2021
Title CompanyAGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,815.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address116 LAURIE DR, 116, ORMOND BEACH, FL 32176-3216

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 OAKWOOD PARK # O, O, ORMOND BEACH, FL 32174-5156

Mortgage

Document Number80501099
DateMay 19, 2021
Instrument8050/1099
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated March 16, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyVolusia County
Unified School DistrictVolusia County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$491,420 (+2.7%)$550,825 (+1.53%) Land $74,250 Building $476,575
2025$7,929.00 (+5.52%) Homeowner's exemption$478,501 (+7.97%)$542,534 (+4.28%) Land $74,250 Building $468,284
2023$7,514.00 (+1.35%) Homeowner's exemption$443,168 (+3%)$520,244 (+7.5%) Land $74,250 Building $445,994
2022$7,414.00 Homeowner's exemption$430,260$483,968 Land $87,750 Building $396,218

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Volusia County (12127C), updated October 2, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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