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45 Tropical Dr, Ormond Beach, FL 32176 Property Records

Volusia County property record for 45 Tropical Dr, Ormond Beach, FL 32176 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1989
Square Footage1,396 sqft Living Area
Lot Size6,780 sqft (0.155 acres)
OccupancyOwner Occupied
Last Sale$390,000 (2025)
Tax Bill$5,835.00 (2025)

Property Details

APN / Parcel Number

Primary APN4203-06-00-0460
Alternative APNs
  • 32140306000460
  • 3022041.0
  • 3022041

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,396 sqft Living Area
1st Floor1,396 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1989
Exterior MaterialConcrete Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Foundation TypeMat/Raft Foundation (Slab) Foundation
Roof MaterialComposition Shingle Roof
Lot Area6,780 sqft (0.155 acres)
Depth X Width113 ft x 60 ft Depth x Width

Exterior Amenities

Shed1 Shed
Shed Area96 sqft Shed
PorchOpen Porch
Porch Area156 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air Heating
Heating FuelElectric Heating Fuel

Location & Zoning

Account Number3022041.0
Old Parcel Number32140306000460
Street Address45 TROPICAL DR
CityORMOND BEACH
StateFL
Zip32176-3717
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description3 14 32 W 60 FT MEAS ON TROPICAL DR OF LOT 46 SUNNY SHORES MB 23 PG 144 PER OR 4357 PG 2893 PER OR 7183 PG 1687 PER OR 7559
Legal Range32E
Legal Township14S
Legal Section03
Legal SubdivisionSHORES
Legal Tract6
Legal Lot Number46
JurisdictionVOLUSIA FL
Minor Civil DivisionNORTH PENINSULA
Census Blockgroup3
Census Block3019
Census Tract80300

Owner

Source: Volusia County records · APN 4203-06-00-0460

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 03, 2025Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Jul 08, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FIRST FEDERAL BANK
Jun 18, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CBC NATIONAL BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 03, 2025 · Amount on Record
Deed SaleOct 03, 2025 · Amount on Record
Prior SaleJun 18, 2018 · Amount on Record
Deed Doc Number2025185236
Deed Book / Page8762 / 825
Record RefreshedJun 08, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateOct 03, 2025
Property Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717
Document Number0087620825
Book / Page8762 / 825
Map ReferenceMB 23 PG 144
Instrument DateSep 25, 2025
Instrument2025185236
Transaction TypeTransfer
Record UpdatedOct 31, 2025
Title CompanyUNKNOWN, DAYTONA BLUE OCEAN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,730.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717

Mortgage

Document Number0008762827
DateOct 03, 2025
Instrument8762/827
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2055

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Property Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0078754056
DateJul 08, 2020
Book Page7875/4056
Instrument2020-123101
Lender
NameFIRST FEDERAL BANK
TypeBank
AddressLAKE CITY, FL 32055
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateJun 18, 2018
Property Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717
Document Number0075594445
Book / Page7559 / 4445
Map ReferenceMB 23 PG 144
Instrument DateJun 15, 2018
Instrument2018-122627
Transaction TypeTransfer
Record UpdatedJan 04, 2022
Title CompanyLIGHTHOUSE TITLE OF EAST FLO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,532.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address110 NICHOLSON FARM RD, 110, BLAIRSVILLE, GA 30512-2814

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 TROPICAL DR, ORMOND BEACH, FL 32176-3717

Mortgage

Document Number2018122628
DateJun 18, 2018
Instrument2018-122628
Lender
NameCBC NATIONAL BANK
TypeBank
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2048

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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
2025$5,835.00 (+6.5%)$293,941 (-3.85%) Land $108,702 Building $185,239$293,941 (-3.85%) Land $108,702 Building $185,239
2024$5,479.00 (+4.04%)$305,703 (-3.01%) Land $108,702 Building $197,001$305,703 (-3.01%) Land $108,702 Building $197,001
2023$5,266.00 (+14.23%)$315,187 (+22.85%) Land $100,089 Building $215,098$315,187 (+22.85%) Land $100,089 Building $215,098
2022$4,610.00$256,569 Land $80,190 Building $176,379$256,569 Land $80,190 Building $176,379

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 X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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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