104 Bay Lake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 104 Bay Lake Dr, Ormond Beach, FL 32174 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2002
Square Footage	1,970 sqft Living Area
Lot Size	16,509 sqft (0.379 acres)
Pool	289 sqft
Occupancy	Owner Occupied
Last Sale	$285,000 (2018)
Tax Bill	$3,218.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-1C020-1040`

Interior

Full Baths	2 Baths
Building Area	1,970 sqft Living Area
Gross Area	2,822 sqft Gross Area
1st Floor	1,970 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	16,509 sqft (0.379 acres)
Driveway	Driveway Concrete
Driveway Area	400 sqft Driveway
Pool Area	289 sqft Pool

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	104 BAY LAKE DR
City	ORMOND BEACH
State	FL
Zip	32174-9264
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PLANTATION BAY PHASE 1C-F UNIT 2 LOT 104 OR 847 PG 753-BUCHANAN TRUST OR 1677/840 OR 1702/1278-DC OR 1702/1279- DC OR 1786/1061 OR 1806/1232 OR 1832/917 OR 2316/696 OR 2323/514-CD
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Phase	1C
Legal Block	1C02
Legal Lot Number	104
Legal Unit	2
Jurisdiction	FLAGLER FL
Minor Civil Division	BUNNELL
Census Blockgroup	3
Census Block	3018
Census Tract	60207

Owner

Source: Flagler County records · APN 03-13-31-5120-1C020-1040

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	104 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Nov 05, 2018	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) VYSTAR CU
Dec 06, 2018	Grant Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 06, 2018 · Amount on Record
Deed Sale	Dec 06, 2018 · Amount on Record
Prior Sale	Nov 05, 2018 · Amount on Record
Deed Doc Number	201845557
Deed Book / Page	2323 / 514
Prior Transfer Date	Feb 17, 2011
Prior Transfer Doc	0018061232
Record Refreshed	Jun 08, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 20, 2020
Property Address	104 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0024970659
Book / Page	2497 / 659
Map Reference	MB 31 PG 25&26
Instrument Date	Nov 03, 2020
Instrument	2020048148
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SUNCOAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,503.90
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 BAY LAKE DR, 104, ORMOND BEACH, FL 32174-9264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3155 LAILANI CT, ORMOND BEACH, FL 32174

Mortgage

Document Number	0002497660
Date	Nov 20, 2020
Instrument	2497/660

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 05, 2018
Property Address	104 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0023160696
Book / Page	002316 / 000696
Instrument Date	Oct 24, 2018
Instrument	41412
Transaction Type	Transfer
Record Updated	Nov 28, 2018
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants In Common
Address	104 BAY LAKE DR ORMOND BEACH FL 321749264, ORMOND BEACH, FL 32174-9264

Mortgage

Document Number	23160697
Date	Nov 05, 2018
Book Page	002316/000697
Instrument	41413

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Nov 04, 2048

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 06, 2018
Property Address	104 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0023230514
Book / Page	002323 / 000514
Instrument Date	Oct 24, 2018
Instrument	45557
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	104 BAY LAKE DR ORMOND BEACH FL 321749264, ORMOND BEACH, FL 32174-9264

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

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	$2,873.00 (-10.72%) Homeowner's exemption Widower's exemption	$249,958 (+5.99%)	$396,958 (+1.94%) Land $59,000 Building $337,958
2024	$3,218.00 (+2.35%)
2023	$3,144.00 (+6.29%) Homeowner's exemption Widower's exemption	$235,838 (+3%)	$389,403 (+10.09%) Land $59,000 Building $330,403
2022	$2,958.00 Homeowner's exemption Widower's exemption	$228,969	$353,722 Land $59,000 Building $294,722

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 637 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

104 Bay Lake Dr, Ormond Beach, FL 32174 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Bay Lake Dr

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