650 Cracker Ave, Osteen, FL 32764 Property Records

Volusia County property record for 650 Cracker Ave, Osteen, FL 32764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,640 sqft · built 1973
Lot Size	0.936 acres (40,750 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Mar 2026)
Tax Bill	$7,057 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9101-00-00-0190`

Property Details

APN / Parcel Number

Primary APN	`9101-00-00-0190`
Alternative APNs	`31190100000190` `01193100000190` `2932503.0` `2932503`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,640 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2023
Exterior Material	Concrete/Cinder Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,750 sqft (0.936 acres)
Lot Dimensions	250 ft deep x 163 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2932503
Street Address	650 CRACKER AVE
City	OSTEEN
State	FL
Zip	32764-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE1
Legal Description	01-19-31 S 163.4 FT OF N 1828.02 FT OF W 250 FT OF E 1002.7 FT OF SW 1/4 EXC 100 PC SUBSURFACE RIGHTS PER OR 1801 PG 1648 PER OR 4403 PG 3549 PER OR 7982 PG 0878 PER OR 7982 PG 0885 PER OR 8395 PG 0170 PER OR 8832 PG 3657
Legal Range	31E
Legal Township	19S
Legal Section	01
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	3
Census Block	3014
Census Tract	91031

Owner

650 Cracker Ave is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	650 CRACKER AVE, OSTEEN, FL 32764-9637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Mar 30, 2026	Warranty Deed, Transfer · VA Mortgage HOMELST LENDING LLC
Apr 19, 2023	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Feb 1, 2021	Deed of Distribution, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on File
Deed Sale	Mar 30, 2026 · Amount on File
Prior Sale	Apr 19, 2023 · Amount on File
Deed Document Number	202655593
Deed Book / Page	8832 / 3657
Prior Transfer Date	Jan 29, 2021
Prior Transfer Doc	0079820885
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Mar 30, 2026
Property Address	650 CRACKER AVE, OSTEEN, FL 32764-9637
Document Number	0088323657
Book / Page	8832 / 3657
Instrument Date	Mar 24, 2026
Instrument	2026055593
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1476 CHIPPEWA LN, GENEVA, FL 32732-9183

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CRACKER AVE, OSTEEN, FL 32764-9637

Mortgage

Document Number	0088323659
Date	Mar 30, 2026
Instrument	8832/3659

Lender

Name	HOMELST LENDING LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Apr 19, 2023
Property Address	650 CRACKER AVE, OSTEEN, FL 32764-9637
Document Number	0083950170
Book / Page	8395 / 170
Instrument Date	Mar 28, 2023
Instrument	2023077727
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	CLEAR CHOICE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1375 E RIVERSIDE AVE, DECATUR, IL 62521-3703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 CRACKER AVE, OSTEEN, FL 32764-9637

Mortgage

Document Number	0008395172
Date	Apr 19, 2023
Instrument	8395/172

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

February 2021: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	VOLUSIA FL
Recording Date	Feb 1, 2021
Property Address	650 CRACKER AVE, OSTEEN, FL 32764-9637
Document Number	0079820885
Book / Page	7982 / 885
Instrument Date	Jan 29, 2021
Instrument	2021-022566
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1375 E RIVERSIDE AVE, DECATUR, IL 62521-3703

Tax Assessment & Valuation

The 2025 property tax bill for 650 Cracker Ave was $7,057, up 38.9% from the year before.

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		$327,214 (-7.18%) Land $47,243 Building $279,971	$327,214 (-7.18%) Land $47,243 Building $279,971
2025	$7,057.00 (+38.86%)	$352,508 Land $47,243 Building $305,265	$352,508 Land $47,243 Building $305,265
2024	$5,082.00 (+22.61%)
2023	$4,145.00 (+13.16%)	$227,483 (+37.57%) Land $46,307 Building $181,176	$227,483 (+37.57%) Land $46,307 Building $181,176
2022	$3,663.00	$165,361 Land $58,001 Building $107,360	$165,361 Land $58,001 Building $107,360

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

Flood

FEMA maps place 650 Cracker Ave in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 650 Cracker Ave is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.2% 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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