Volusia County property record for 109 N St Andrews Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | Company Name on Record |
| Last Sale | $285,000 (Jun 2005) |
| Tax Bill | $2,335 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3242-10-21-0070 |
| Primary APN | 3242-10-21-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,196 sqft Living Area |
| Gross Area | 2,742 sqft |
| 1st Floor Area | 2,196 sqft |
| Flooring | Combination, Other |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete/Cinder Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 3002351 |
|---|---|
| Street Address | 109 N ST ANDREWS DR |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-3840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 21 UNIT 2 TOMOKA OAKS COUNTRY CLUB ESTS MB 31 PG 166 |
| Legal Subdivision | TOMOKA OAKS COUNTRY CLUB EST |
| Legal Block | 21 |
| Legal Lot Number | 7 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | ORMOND BEACH |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 80807 |
Source: Volusia County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 109 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3840 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2005 · Amount on Record |
| Deed Sale | Jun 7, 2005 · Amount on Record |
| Prior Sale | Dec 5, 2001 · Amount on Record |
| Deed Document Number | 2005147720 |
| Deed Book / Page | 5569 / 3714 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 109 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3840 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3840 |
| Document Number | 0080662214 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 8066/2214 |
| Instrument | 2021-140626 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
Source: Volusia County assessment roll, as of March 16, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $190,144 | $319,415 (+4.31%) Land $36,739 Building $282,676 | |
| 2025 | $2,335.00 (+4.33%) | ||
| 2024 | $2,238.00 (+3.09%) | ||
| 2023 | $2,171.00 (+3.58%) | ||
| 2022 | $2,096.00 | $169,601 | $306,206 Land $37,118 Building $269,088 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 48 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 48 in force |
| Nearby Flood Claims | 11 (1987–2024) |
| Claims Outside the SFHA | 7 of 11 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORMOND BEACH serves 59,744 people · EPA ID FL3640963 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 4 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wire 3 Fiber | 10,000 / 10,000 |
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
May also be available: Hotwire Communications, Verizon.
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