685 Tabatha Dr, Osteen, FL 32764 Property Records

Volusia County property record for 685 Tabatha Dr, Osteen, FL 32764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1992
Lot Size	10.1 acres (442,570 sqft)
Owner	2 Trust Names on File
Last Sale	$185,000 (Jun 2014)
Tax Bill	$4,007 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`9229-01-00-0140`

Property Details

APN / Parcel Number

Primary APN	`9229-01-00-0140`
Alternative APNs	`32192901000140` `29193201000140` `4841768.0` `4841768`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,380 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	442,570 sqft (10.1 acres)
View / Lot	Lake Front
Garage Type	Carport
Garage Area	180 sqft
Carport	Carport
Carport Area	180 sqft

Exterior Amenities

Porch	Slab
Porch Area	424 sqft
Deck Area	Deck Area
Patio Area	384 sqft
Shed	1 Shed
Shed Area	64 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4841768
Street Address	685 TABATHA DR
City	OSTEEN
State	FL
Zip	32764-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01A1
Legal Description	29-19-32 IRREG PARCEL MEAS 354.9 FT ON N/L & 971.39 FT ON E/L AKA LOT 14 THE COVE AT LEMON BLUFF UNREC SUB #1459 PER OR 4670 PGS 1848-1849 PER OR 5918 PGS 3275-3277 INC PER OR 6997 PGS 1413-1414
Legal Range	32E
Legal Township	19S
Legal Section	29
Legal Subdivision	THE COVE AT LEMON BLUFF UNREC SUB
Legal Tract	01
Legal Lot Number	14
Jurisdiction	VOLUSIA FL
Township / Civil Division	DELTONA
Census Block Group	1
Census Block	1017
Census Tract	91005

Owner

685 Tabatha Dr is owner-occupied and held in a trust since June 2014.

Source: Volusia County records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	685 TABATHA DR, OSTEEN, FL 32764-9313
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
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Aug 2, 2018	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Apr 12, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2014 · Amount on File
Deed Sale	Jun 9, 2014 · Amount on File
Prior Sale	Sep 21, 2006 · Amount on File
Deed Document Number	2014101196
Deed Book / Page	6997 / 1413
Prior Transfer Date	Aug 18, 2000
Prior Transfer Doc	4599000022
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Recording Date	Sep 30, 2026
Property Address	685 TABATHA DR, OSTEEN, FL 32764-9313
Document Number	0000178781
Book / Page	8911 / 1267
Instrument Date	Aug 25, 2026
Instrument	2026178781
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 TABATHA DR, OSTEEN, FL 32764-9313

Mortgage

Document Number	0000178781,
Date	Sep 30, 2026
Book Page	8911/1267
Instrument	2026178781

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	685 TABATHA DR, OSTEEN, FL 32764-9313
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 TABATHA DR, OSTEEN, FL 32764-9313

Mortgage

Document Number	0082581251
Date	May 23, 2022
Book Page	8258/1251
Instrument	2022123554

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	685 TABATHA DR, OSTEEN, FL 32764-9313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0075791077
Date	Aug 2, 2018
Book Page	7579/1077
Instrument	2018-155508

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Feb 10, 2048

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	685 TABATHA DR, OSTEEN, FL 32764-9313
Document Number	0073924145
Book / Page	007392 / 004145
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 TABATHA DR OSTEEN FL 327649313, OSTEEN, FL 32764-9313

Mortgage

Document Number	0073924145
Date	May 2, 2017
Book Page	007392/004145
Instrument	86511

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	May 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 685 Tabatha Dr was $4,007 with a homeowner's exemption.

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

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
2026		$257,850 (+2.7%)	$420,926 (-3.74%) Land $251,968 Building $168,958
2025	$4,007.00 Homeowner's exemption	$251,072	$437,301 Land $254,813 Building $182,488
2023	$3,819.00 (+1.81%) Homeowner's exemption	$236,891 (+3%)	$376,697 (+4.18%) Land $232,461 Building $144,236
2022	$3,751.00 Homeowner's exemption	$229,991	$361,568 Land $232,461 Building $129,107

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

Flood

FEMA maps place 685 Tabatha Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 685 Tabatha Dr is high, ranking above 84% of the US, with a 0.8% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 75% of Florida
Wildfire Likelihood	0.8% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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