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108 N St Andrews Dr, Ormond Beach, FL 32174 Property Records

Volusia County property record for 108 N St Andrews Dr, Ormond Beach, FL 32174 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,528 sqft · built 1975
Lot Size0.305 acres (13,300 sqft)
Owner2 Trust Names on File
Last Sale$410,000 (May 2021)
Tax Bill$6,294 (2025)
Deeds & MortgagesJun 2026 Line of Credit
Jul 2023 Line of Credit
+ 3 more
Flood ZoneZone X (minimal risk)
APN3242-10-20-0190

Property Details

APN / Parcel Number

Primary APN3242-10-20-0190
Alternative APNs
  • 32134210200190
  • 42133210200190
  • 3002253.0
  • 3002253

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,528 sqft Living Area
Gross Area3,080 sqft
1st Floor Area2,528 sqft
Utility RoomUtility Room
FlooringCombination, Other
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 2019
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeGable
Roof MaterialAsphalt
Lot Area13,300 sqft (0.305 acres)
Lot Dimensions140 ft deep x 95 ft wide
View / LotGolf Course
Garage TypeAttached
Garage Area552 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area350 sqft
PorchUnfinished Open Porch
Porch Area220 sqft
Patio Area36 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelElectric

Location & Zoning

Account Number3002253
Street Address108 N ST ANDREWS DR
CityORMOND BEACH
StateFL
Zip32174-3841
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 19 BLK 20 UNIT 2 TOMOKA OAKS COUNTRY CLUB ESTS MB 31 PG 164 PER OR 3292 PG 1608 PER OR 6949 PG 3090 PER OR 7046 PG 3044 PER OR 7516 PGS 0945-0946 PER OR 8048 PG 3071
Legal Range32E
Legal Township13S
Legal Section42
Legal SubdivisionTOMOKA OAKS COUNTRY CLUB EST
Legal Tract10
Legal Block20
Legal Lot Number19
Legal Unit2
JurisdictionVOLUSIA FL
Township / Civil DivisionORMOND BEACH
Census Block Group3
Census Block3006
Census Tract80807

Owner

Source: Volusia County records · APN 3242-10-20-0190

Assessment roll updated March 16, 2026 · Last verified July 2026

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

Owner of Record2 Trust Names on File
Mailing Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Jun 26, 2026Deed of Trust, Mortgage · Line of Credit
QUORUM FEDERAL CREDIT UNION
Jul 06, 2023Deed of Trust, Mortgage · Line of Credit
CROSSCOUNTRY MORTGAGE LLC
Mar 07, 2022Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
May 17, 2021Warranty Deed, Transfer · FHA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Mar 07, 2018Warranty Deed, Transfer
DELOTTO & ANITA L BONOMI

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 17, 2021 · Amount on Record
Deed SaleMay 17, 2021 · Amount on Record
Prior SaleApr 15, 1989 · Amount on Record
Deed Document Number2021113810
Deed Book / Page8048 / 3071
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Recording DateJun 26, 2026
Property Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
Document Number0000116255
Book / Page8871 / 4218
Instrument DateJun 15, 2026
Instrument2026116255
Transaction TypeMortgage
Record UpdatedJul 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841

Mortgage

Document Number0000116255,
DateJun 26, 2026
Book Page8871/4218
Instrument2026116255
Lender
NameQUORUM FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate6.36%
Max Rate-1%

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Property Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
Transaction TypeMortgage
Record UpdatedAug 08, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
InvestorPossibly a Property Investor

Mortgage

Document Number0084290320
DateJul 06, 2023
Book Page8429/320
Instrument2023136748
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
AddressCLEVELAND, OH 44114
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJul 24, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionVOLUSIA FL
Property Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
Transaction TypeMortgage
Record UpdatedMar 30, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 ST ANDERWS DR, ORMOND BEACH, FL 32174

Mortgage

Document Number0082150059
DateMar 07, 2022
Book Page8215/59
Instrument2022053085
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2052

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateMay 17, 2021
Property Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
Document Number0080483071
Book / Page8048 / 3071
Map ReferenceMB 31 PG 164
Instrument DateMay 03, 2021
Instrument2021-113810
Transaction TypeTransfer
Record UpdatedJun 11, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,870.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7 SHERWOOD DR, 7, ORMOND BEACH, FL 32174-3846

Transferred To (Grantee/Buyer)

NameVerified Name
Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841

Mortgage

Document Number80483073
DateMay 17, 2021
Instrument8048/3073
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionVOLUSIA FL
Recording DateMar 07, 2018
Property Address108 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3841
Document Number0075160945
Book / Page007516 / 000945
Instrument DateFeb 20, 2018
Instrument46372
Transaction TypeTransfer
Record UpdatedMar 27, 2018

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,477.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address7 SHERWOOD DR ORMOND BEACH FL 321743846, ORMOND BEACH, FL 32174-3846

Mortgage

Document Number75160947
DateMar 07, 2018
Book Page007516/000947
Instrument46373
Lender
NameDELOTTO & ANITA L BONOMI
Address3236 RIVERVIEW LN, DAYTONA BEACH, FL 32118-6218
Agreement
AmountAmount Recorded
Term240 Months
DueMar 06, 2038
Interest
Rate6%

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated March 16, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyVolusia County
MunicipalityOrmond Beach City
Unified School DistrictVolusia 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.

YearTax BillAssessed ValueAssessed Market Value
2026$432,204 (+1.2%) Land $54,796 Building $377,408$432,204 (+1.2%) Land $54,796 Building $377,408
2025$6,294.00 (-6.81%) Homeowner's exemption$427,095 (-6.86%) Land $54,796 Building $372,299$427,095 (-6.86%) Land $54,796 Building $372,299
2024$6,754.00 (-0.24%) Homeowner's exemption$458,570 (+0.49%) Land $64,581 Building $393,989$458,570 (+0.49%) Land $64,581 Building $393,989
2023$6,770.00 (-3.51%) Homeowner's exemption$456,325 (+6.56%) Land $64,581 Building $391,744$456,325 (+6.56%) Land $64,581 Building $391,744
2022$7,016.00$428,219 Land $64,581 Building $363,638$428,219 Land $64,581 Building $363,638

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Volusia County (12127C), updated October 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121270808073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 48 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies48 in force
Nearby Flood Claims11 (1987–2024)
Claims Outside the SFHA7 of 11
Most Recent ClaimOct 2024, river or lake flooding, Hurricane Milton
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 455 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 178 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Wire 3 HoldingsFiber10,000 / 10,000
Metronet HoldingsFiber5,120 / 5,120
SpectrumCable1,000 / 35

May also be available at this address: Verizon, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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