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

Flagler County property record for 109 Bay Lake Dr, Ormond Beach, FL 32174 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2010
Square Footage	2,048 sqft Heated Area
Lot Size	16,509 sqft (0.378 acres)
Occupancy	Owner Occupied
Last Sale	$530,000 (2023)
Tax Bill	$4,751.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-1C020-1090`

Interior

Full Baths	2 Baths
Building Area	2,048 sqft Heated Area
Gross Area	2,816 sqft Gross Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
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	16,509 sqft (0.378 acres)
Driveway	1 Driveway
Driveway Area	304 sqft Driveway
Porch	Enclosed Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	109 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 109 OR 938 PG 267
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Phase	1C
Legal Lot Number	109
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 03-13-31-5120-1C020-1090

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	109 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, 2023	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Sep 12, 2022	Warranty Deed, Transfer HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2023 · Amount on Record
Deed Sale	Nov 20, 2023 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Doc Number	2023050443
Deed Book / Page	2828 / 561
Record Refreshed	Jun 08, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 20, 2023
Property Address	109 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0028280561
Book / Page	2828 / 561
Map Reference	MB 31 PG 25&26
Instrument Date	Nov 14, 2023
Instrument	2023050443
Transaction Type	Transfer
Record Updated	Dec 12, 2023
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	331 ATHENS DR, SAINT AUGUSTINE, FL 32092-1894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BAY LAKE DR, ORMOND BEACH, FL 32174-9264

Mortgage

Document Number	0002828562
Date	Nov 20, 2023
Instrument	2828/562

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Dec 01, 2028
Change Frequency	5 Years
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	5-Year TN
Max Rate	12.1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 12, 2022
Property Address	109 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0027210472
Book / Page	2721 / 472
Map Reference	MB 31 PG 25&26
Instrument Date	Sep 08, 2022
Instrument	2022045686
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$3,343.90
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 WOODBRIDGE DR, 610, ORMOND BEACH, FL 32174-1033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 BAY LAKE DR, ORMOND BEACH, FL 32174-9264

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	109 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0024300825
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	109 BAY LAKE DR ORMOND BEACH FL 321749264, ORMOND BEACH, FL 32174-9264

Mortgage

Document Number	0024300825
Date	Mar 24, 2020
Book Page	002430/000825
Instrument	11991

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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	$4,751.00 (-8.16%) Homeowner's exemption	$378,271 (+1.41%)	$443,251 (+18.83%) Land $59,000 Building $384,251
2023	$5,173.00 (+12.41%) Homeowner's exemption	$373,009 (+8.17%) Land $59,000 Building $314,009	$373,009 (+8.17%) Land $59,000 Building $314,009
2022	$4,602.00 Homeowner's exemption	$344,822 Land $59,000 Building $285,822	$344,822 Land $59,000 Building $285,822

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 49% of the US · above 19% of Florida
Wildfire Likelihood	About 1 in 1,000 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.

109 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 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Bay Lake Dr

Nearby Streets

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