Flagler County property record for 1046 Stone Lake Dr, Ormond Beach, FL 32174 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,590 sqft Heated Area |
| Lot Size | 14,505 sqft (0.332 acres) |
| Pool | Pool, Enclosed |
| Occupancy | Owner Occupied |
| Last Sale | $407,500 (2005) |
| Tax Bill | $4,365.00 (2025) |
| Primary APN | 03-13-31-5120-2AF01-0750 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,590 sqft Heated Area |
| Gross Area | 4,096 sqft Gross Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 14,505 sqft (0.332 acres) |
| Driveway | 1 Driveway |
| Driveway Area | 691 sqft Driveway |
| Pool Type | Pool, Enclosed Pool Type |
| Pool Area | 400 sqft Pool |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 1046 STONE LAKE DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1478 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 1 LOT 75 OR 1302 PG 791 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 75 |
| Legal Unit | 1 |
| Jurisdiction | FLAGLER FL |
| Minor Civil Division | BUNNELL |
| Census Blockgroup | 3 |
| Census Block | 3012 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF01-0750
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 | 1046 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Aug 06, 2019 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 16, 2005 · Amount on Record |
| Deed Sale | Aug 16, 2005 · Amount on Record |
| Deed Doc Number | 2005049677 |
| Deed Book / Page | 1302 / 0791 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1046 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 1046 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Document Number | 0027210450 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 2721/450 |
| Instrument | 2022045684 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Oct 01, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.62% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1046 STONE LAKE DR, ORMOND BEACH, FL 32174-1478 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023741881 |
|---|---|
| Date | Aug 06, 2019 |
| Book Page | 2374/1881 |
| Instrument | 2019029048 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Sep 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
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 | $4,365.00 (-25.05%) Homeowner's exemption | $350,919 (+5.99%) | $539,044 (+2.48%) Land $82,000 Building $457,044 |
| 2023 | $5,824.00 (+5.66%) Homeowner's exemption | $331,097 (+3%) | $526,002 (+2.91%) Land $82,000 Building $444,002 |
| 2022 | $5,512.00 Homeowner's exemption | $321,453 | $511,149 Land $82,000 Building $429,149 |
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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