520 Bern Ct, Deltona, FL 32738 Property Records

Volusia County property record for 520 Bern Ct, Deltona, FL 32738

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,158 sqft · built 1987
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Jun 2024)
Tax Bill	$4,865 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8130-42-22-0280`

Property Details

APN / Parcel Number

Primary APN	`8130-42-22-0280`
Alternative APNs	`31183042220280` `30183142220280` `2815451.0` `2815451`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,158 sqft Living Area
Gross Area	1,596 sqft
1st Floor Area	1,158 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	398 sqft
Porch	Slab
Porch Area	174 sqft
Patio Area	329 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	2815451
Street Address	520 BERN CT
City	DELTONA
State	FL
Zip	32738-9494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 28 BLK 1181 DELTONA LAKES UNIT 42 MB 27 PGS 262-266 INC PER OR 4013 PG 0823 PER OR 7760 PG 3244 PER OR 8565 PG 0987
Legal Range	31E
Legal Township	18S
Legal Section	30
Legal Subdivision	DELTONA LAKES
Legal Tract	42
Legal Block	1181
Legal Lot Number	28
Legal Unit	42
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	3
Census Block	3011
Census Tract	91031

Owner

Source: Volusia County records, as of October 13, 2026

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 File
Mailing Address	520 BERN CT, DELTONA, FL 32738-9494
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 16, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2024 · Amount on File
Deed Sale	Jun 4, 2024 · Amount on File
Prior Sale	Oct 16, 2019 · Amount on File
Deed Document Number	2024108323
Deed Book / Page	8565 / 987
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	520 BERN CT, DELTONA, FL 32738-9494
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 BERN CT, DELTONA, FL 32738-9494

Mortgage

Document Number	0084270295
Date	Jun 30, 2023
Book Page	8427/295
Instrument	2023133777

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	437 Months
Due	Nov 1, 2059

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Oct 16, 2019
Property Address	520 BERN CT, DELTONA, FL 32738-9494
Document Number	0077603244
Book / Page	007760 / 003244
Instrument Date	Oct 11, 2019
Instrument	202995
Transaction Type	Transfer
Record Updated	Oct 30, 2019
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 GONDOLIER TER DELTONA FL 327253262, DELTONA, FL 32725-3262

Mortgage

Document Number	77603245
Date	Oct 16, 2019
Book Page	007760/003245
Instrument	202996

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2049

Tax Assessment & Valuation

Source: Volusia County assessment roll, as of March 16, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$222,589 (-5.5%) Land $58,149 Building $164,440	$222,589 (-5.5%) Land $58,149 Building $164,440
2025	$4,865.00 (+93.67%)	$235,546 (+58.32%) Land $58,149 Building $177,397	$235,546 (+4.09%) Land $58,149 Building $177,397
2024	$2,512.00 (+4.54%)
2023	$2,403.00 (+1.35%) Homeowner's exemption	$148,777 (+3%)	$226,286 (+13.95%) Land $56,102 Building $170,184
2022	$2,371.00 Homeowner's exemption	$144,444	$198,585 Land $42,953 Building $155,632

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 in force

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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% 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	DELTONA WATER serves 81,006 people · EPA ID FL3640287
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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