645 Summerhaven Dr, Debary, FL 32713 Property Records

Volusia County property record for 645 Summerhaven Dr, Debary, FL 32713

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,253 sqft · built 1988
Lot Size	0.378 acres (16,445 sqft)
Owner	2 Trust Names on File
Last Sale	$255,000 (Dec 2018)
Tax Bill	$4,358 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8025-05-00-0660`

Property Details

APN / Parcel Number

Primary APN	`8025-05-00-0660`
Alternative APNs	`30182505000660` `25183005000660` `4723455.0` `4723455`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,253 sqft Living Area
Gross Area	2,694 sqft
1st Floor Area	2,253 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1989
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,445 sqft (0.378 acres)
Lot Dimensions	143 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	616 sqft
Patio Area	605 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4723455
Street Address	645 SUMMERHAVEN DR
City	DEBARY
State	FL
Zip	32713-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01R4
Legal Description	LOT 66 SUMMERHAVEN PHASE II MB 39 PGS 147-148 INC PER OR 3300 PG 1393 PER OR 7561 PG 0251 PER OR 7633 PG 4497
Legal Range	30E
Legal Township	18S
Legal Section	25
Legal Subdivision	SUMMERHAVEN PHASE II MB
Legal Phase	2
Legal Tract	05
Legal Lot Number	66
Jurisdiction	VOLUSIA FL
Township / Civil Division	DEBARY-ORANGE CITY
Census Block Group	1
Census Block	1042
Census Tract	90905

Owner

645 Summerhaven Dr is owner-occupied and held in a trust since December 2018.

Source: Volusia County records, as of March 16, 2026

Owner of Record	2 Trust Names on File
Mailing Address	645 SUMMERHAVEN DR, DEBARY, FL 32713-2714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 14, 2018	Warranty Deed, Transfer · VA Mortgage EQUITY PRIME MORTGAGE LLC
Jun 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Aug 15, 1990 · Amount on File
Deed Document Number	2018248908
Deed Book / Page	7633 / 4497
Prior Transfer Date	Jun 7, 2018
Prior Transfer Doc	0075610251
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	645 SUMMERHAVEN DR, DEBARY, FL 32713-2714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079561376
Date	Dec 11, 2020
Book Page	7956/1376
Instrument	2020-241231

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Feb 1, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Dec 14, 2018
Property Address	645 SUMMERHAVEN DR, DEBARY, FL 32713-2714
Document Number	0076334497
Book / Page	7633 / 4497
Map Reference	MB 39 PG 147
Instrument Date	Dec 7, 2018
Instrument	2018-248908
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 BERNASEK DR, 625, DEBARY, FL 32713-2731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SUMMERHAVEN DR, DEBARY, FL 32713-2714

Mortgage

Document Number	2018248909
Date	Dec 14, 2018
Instrument	2018-248909

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jun 20, 2018
Property Address	645 SUMMERHAVEN DR, DEBARY, FL 32713-2714
Document Number	0075610251
Book / Page	007561 / 000251
Instrument Date	Jun 7, 2018
Instrument	124595
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	645 SUMMERHAVEN DR DEBARY FL 327132714, DEBARY, FL 32713-2714

Tax Assessment & Valuation

The 2025 property tax bill for 645 Summerhaven Dr was $4,358 with a homeowner's exemption, up 4.7% from the year before.

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

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
2026		$295,837 (+2.7%)	$395,246 (+0.87%) Land $70,438 Building $324,808
2025	$4,358.00 (+4.73%) Homeowner's exemption	$288,060	$391,840 Land $70,438 Building $321,402
2024	$4,161.00 (+5.16%)
2023	$3,957.00 (+2.12%) Homeowner's exemption	$271,789 (+3%)	$384,836 (+17.58%) Land $90,160 Building $294,676
2022	$3,875.00 Homeowner's exemption	$263,873	$327,296 Land $67,620 Building $259,676

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

Flood

FEMA maps place 645 Summerhaven Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2008.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	56 units insured incl. 5 condo units
Nearby Flood Claims	8 (2008–2024)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Ian, Sep 2022 · 2 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 645 Summerhaven Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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