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545 Lemon Bluff Rd, Osteen, FL 32764 Property Records

Volusia County property record for 545 Lemon Bluff Rd, Osteen, FL 32764

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,498 sqft · built 1984
Lot Size10 acres (435,600 sqft)
Owner2 Individual Names on File
Last Sale$135,000 (May 1995)
Tax Bill$2,831 (2025)
Deeds & MortgagesOct 2023 Transfer
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN9220-00-00-0015

Property Details

APN / Parcel Number

Primary APN9220-00-00-0015
Alternative APNs
  • 32192000000015
  • 20193200000015
  • 3375904.0
  • 3375904

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area2,498 sqft Living Area
1st Floor Area1,586 sqft
Upper Floors Area592 sqft
FlooringCombination, Other
Interior WallsWood
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1984
Effective Year BuiltEffective 1989
Exterior MaterialWood
Construction TypeWood
Roof TypeHip
Roof MaterialAsphalt
Lot Area435,600 sqft (10 acres)
PorchFlorida Room
Porch Area868 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3375904
Street Address545 LEMON BLUFF RD
CityOSTEEN
StateFL
Zip32764-9733
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA1
Legal Description20-19-32 SW 1/4 OF NW 1/4 OF NW 1/4 PER OR 4003 PG 3719 PER OR 8471 PG 0393
Legal Range32E
Legal Township19S
Legal Section20
JurisdictionVOLUSIA FL
Township / Civil DivisionDELTONA
Census Block Group1
Census Block1017
Census Tract91005

Owner

545 Lemon Bluff Rd is owned and occupied by two individuals who bought it in May 1995.

Source: Volusia County records, as of March 16, 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 Record2 Individual Names on File
Mailing Address545 LEMON BLUFF RD, OSTEEN, FL 32764-9733
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Oct 6, 2020Deed of Trust, Mortgage · Conventional Mortgage
BANK OF AMERICA NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 9, 1995 · Amount on File
Deed SaleMay 9, 1995 · Amount on File
Prior SaleJul 15, 1989 · Amount on File
Deed Book / Page4003 / 3719
Prior Transfer DateDec 5, 1994
Prior Transfer Doc3982000070
Record UpdatedOct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionVOLUSIA FL
Recording DateOct 12, 2023
Property Address545 LEMON BLUFF RD, OSTEEN, FL 32764-9733
Document Number0084710393
Book / Page8471 / 393
Instrument DateOct 9, 2023
Instrument2023207974
Transaction TypeTransfer
Record UpdatedNov 2, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address545 LEMON BLUFF RD, OSTEEN, FL 32764-9733

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 LEMON BLUFF RD, OSTEEN, FL 32764-9733

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Property Address545 LEMON BLUFF RD, OSTEEN, FL 32764-9733
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 BLEMON BLUFF RD, OSTEEN, FL 32764

Mortgage

Document Number0079220405
DateOct 6, 2020
Book Page7922/405
Instrument2020-190593
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 545 Lemon Bluff Rd was $2,831 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$188,275 (+2.7%)$456,237 (+0.55%) Land $203,000 Building $253,237
2025$2,831.00 Homeowner's exemption$183,326$453,763 Land $203,000 Building $250,763
2023$2,681.00 (+2.33%) Homeowner's exemption$172,971 (+3%)$426,600 (+8.3%) Land $191,300 Building $235,300
2022$2,620.00 Homeowner's exemption$167,933$393,903 Land $173,300 Building $220,603

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

Flood

FEMA maps place 545 Lemon Bluff Rd 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 76 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies76 in force
Nearby Flood Claims61 (1994–2024)
Claims Outside the SFHA11 of 61
Most Recent ClaimOct 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

Wildfire risk around 545 Lemon Bluff Rd is high, ranking above 83% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire RiskHigh
above 83% of the US · above 74% of Florida
Wildfire Likelihood0.7% annual chance
ExposureDirect
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 19 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
AT&T
DSL		100 / 20

May also be available: Spectrum, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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