495 Smith Rd, Osteen, FL 32764 Property Records

Volusia County property record for 495 Smith Rd, Osteen, FL 32764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 914 sqft · built 1988
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (Jul 2017)
Tax Bill	$2,201 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Mar 2017 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9215-00-00-0220`

Property Details

APN / Parcel Number

Primary APN	`9215-00-00-0220`
Alternative APNs	`32191500000220` `3372913.0` `3372913`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	914 sqft Living Area
1st Floor Area	914 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1994
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	224 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	3372913.0
Old Parcel Number	32191500000220
Street Address	495 SMITH RD
City	OSTEEN
State	FL
Zip	32764-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	15-19-32 S 329 FT OF N 1025.26 FT OF E 1/2 OF SE 1/4 PER OR 2159 PG 0705 PER OR 5854 PG 3494 PER OR 6685 PG 4030 PER OR 6718
Legal Range	32E
Legal Township	19S
Legal Section	15
Legal Subdivision	ACREAGE
Legal Tract	40
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	1
Census Block	1017
Census Tract	91005

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	Individual Name on Record
Mailing Address	495 SMITH RD, OSTEEN, FL 32764-9403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2017	Special Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Mar 22, 2017	Grant Deed, Foreclosure
Feb 14, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2017 · Amount on Record
Deed Sale	Jul 14, 2017 · Amount on Record
Prior Sale	Mar 22, 2017
Deed Document Number	2017-138061
Deed Book / Page	7423 / 0273
Record Updated	Jun 8, 2026

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jul 14, 2017
Property Address	495 SMITH RD, OSTEEN, FL 32764-9403
Document Number	0074230273
Book / Page	7423 / 0273
Instrument Date	Jul 3, 2017
Instrument	2017-138061
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,232.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1490 PELL RD, OSTEEN, FL 32764-8819

Mortgage

Document Number	2017138062
Date	Jul 14, 2017
Instrument	2017-138062

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

March 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	VOLUSIA FL
Recording Date	Mar 22, 2017
Property Address	495 SMITH RD, OSTEEN, FL 32764-9403
Document Number	0073753742
Book / Page	007375 / 003742
Instrument Date	Mar 7, 2017
Instrument	57110
Transaction Type	Foreclosure
Record Updated	May 4, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	VOLUSIA FL
Recording Date	Feb 14, 2017
Property Address	495 SMITH RD, OSTEEN, FL 32764-9403
Document Number	0073602958
Book / Page	007360 / 002958
Instrument Date	Feb 14, 2017
Instrument	29991
Transaction Type	Foreclosure
Record Updated	Mar 20, 2017

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3476 STATEVIEW BOULEVARD MAC #X7801 FORT MILL SC 29715, X7801, FORT MILL, SC 29715
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,201.00 (+6.02%) Homeowner's exemption	$147,518 (+3.9%)	$384,366 (+8.46%) Land $26,765 Building $357,601
2023	$2,076.00 (-2.49%) Homeowner's exemption	$141,981 (-1.18%)	$354,373 (+18.53%) Land $25,760 Building $328,613
2022	$2,129.00 Homeowner's exemption	$143,681	$298,974 Land $21,360 Building $277,614

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

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 76 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	61 (1994–2024)
Claims Outside the SFHA	11 of 61
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Oct 2022 · 12 claims Hurricane Ian, Oct 2022 · 18 claims Tropical Storm Fay, Aug 2008 · 10 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	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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