442 River Dr, Debary, FL 32713 Property Records

Volusia County property record for 442 River Dr, Debary, FL 32713

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 1994
Lot Size	0.494 acres (21,525 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jan 2019)
Tax Bill	$6,562 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8031-03-40-0120`

Property Details

APN / Parcel Number

Primary APN	`8031-03-40-0120`
Alternative APNs	`30183103400120` `2417528.0` `2417528`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,004 sqft Living Area
1st Floor Area	2,004 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Storm Shutters	Storm Shutters
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Baked Enamel
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	21,525 sqft (0.494 acres)
Lot Dimensions	287 ft deep x 75 ft wide
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	500 sqft
Patio Area	414 sqft
Shed	1 Shed
Shed Area	200 sqft
Utility Building	168 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2417528.0
Old Parcel Number	30183103400120
Street Address	442 RIVER DR
City	DEBARY
State	FL
Zip	32713-9711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 40 ST JOHNS RIVER ESTATES UNIT 3 MB 27 PG 221 PER OR 4721 PG 0496 PER OR 6625 PGS 3037-3038 PER OR 7644 PG 3617
Legal Range	30E
Legal Township	18S
Legal Section	31
Legal Subdivision	ST JOHNS RIVER ESTATES UNIT 03
Legal Tract	3
Legal Block	40
Legal Lot Number	12
Legal Unit	3
Jurisdiction	VOLUSIA FL
Township / Civil Division	DEBARY-ORANGE CITY
Census Block Group	1
Census Block	1015
Census Tract	90904

Owner

442 River Dr is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	442 RIVER DR, DEBARY, FL 32713-9711
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2019 · Amount on File
Deed Sale	Jan 14, 2019 · Amount on File
Prior Sale	Aug 25, 2011 · Amount on File
Deed Document Number	2019-008062
Deed Book / Page	7644 / 3617
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	442 RIVER DR, DEBARY, FL 32713-9711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078744431
Date	Jul 7, 2020
Book Page	7874/4431
Instrument	2020-121842

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2040

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jan 14, 2019
Property Address	442 RIVER DR, DEBARY, FL 32713-9711
Document Number	0076443617
Book / Page	007644 / 003617
Instrument Date	Jan 11, 2019
Instrument	8062
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,290.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	442 RIVER DR DEBARY FL 327139711, DEBARY, FL 32713-9711

Mortgage

Document Number	76443618
Date	Jan 14, 2019
Book Page	007644/003618
Instrument	8063

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$455,329	$536,746 Land $180,075 Building $356,671
2024	$6,562.00 (+5.3%)
2023	$6,232.00 (+1.9%) Homeowner's exemption	$429,609 (+3%)	$571,449 (-4.72%) Land $185,063 Building $386,386
2022	$6,116.00 Homeowner's exemption	$417,096	$599,764 Land $259,875 Building $339,889

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

Flood

FEMA maps place 442 River Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 56 policies
Nearby Flood Policies	56 in force
Nearby Flood Claims	20 (1992–2024)
Claims Outside the SFHA	13 of 20
Most Recent Claim	Nov 2024 · river or lake flooding
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Tropical Storm Fay, Aug 2008 · 7 claims Hurricane Frances, Sep 2004 · 3 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

Wildfire risk around 442 River Dr is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 47% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VC/SOUTHWEST WATER SYSTEM serves 19,672 people · EPA ID FL3641336
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 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	1 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

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