Flagler County property record for 1028 Stone Lake Dr, Ormond Beach, FL 32174 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,408 sqft · built 2004 |
| Lot Size | 0.489 acres (21,344 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $399,700 (Jun 2004) |
| Tax Bill | $6,154 (2025) |
| Deeds & Mortgages | Dec 2016 Loan Modification Jan 2007 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-13-31-5120-2AF01-0720 |
| Primary APN | 03-13-31-5120-2AF01-0720 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 3,408 sqft Heated Area |
| Gross Area | 5,083 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.489 acres) |
| Driveway | Driveway |
| Driveway Area | 1,253 sqft |
| Pool Type | Pool with Hot Tub/Spa |
| Pool Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1028 STONE LAKE DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1478 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 1 LOT 72 OR 1108 PG 476 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 72 |
| Legal Unit | 1 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF01-0720
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1028 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Dec 16, 2016 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Jan 12, 2007 | Loan Modification, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 29, 2004 · Amount on Record |
| Deed Sale | Jun 29, 2004 · Amount on Record |
| Deed Document Number | 2004037171 |
| Deed Book / Page | 1108 / 0476 |
| Record Updated | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1028 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Document Number | 0022071551 |
| Instrument Date | Dec 16, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 1028 STONE LAKE DR ORMOND BEACH FL 321741478, ORMOND BEACH, FL 32174-1478 |
| Document Number | 0022071551 |
|---|---|
| Date | May 26, 2017 |
| Book Page | 002207/001551 |
| Instrument | 18627 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23285-5130 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1028 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Document Number | 0021980139 |
| Instrument Date | Jan 12, 2007 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1028 STONE LAKE DR ORMOND BEACH FL 321741478, ORMOND BEACH, FL 32174-1478 |
| Document Number | 0021980139 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | 002198/000139 |
| Instrument | 12539 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 09, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,154.00 (-18.31%) Homeowner's exemption | $477,869 (+5.99%) | $708,265 (+1.91%) Land $90,200 Building $618,065 |
| 2023 | $7,533.00 (+5.28%) Homeowner's exemption | $450,874 (+3%) | $694,986 (+4.75%) Land $90,200 Building $604,786 |
| 2022 | $7,155.00 Homeowner's exemption | $437,742 | $663,488 Land $90,200 Building $573,288 |
Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 55% of the US · above 26% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 758 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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