120 Bay Lake Ct, Ormond Beach, FL 32174 Property Records

Flagler County property record for 120 Bay Lake Ct, Ormond Beach, FL 32174 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,127 sqft · built 1999
Lot Size	0.308 acres (13,460 sqft)
Owner	Company Name on File
Last Sale	$551,500 (Jan 2024)
Tax Bill	$1,938 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-13-31-5120-1C020-1200`

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-1C020-1200`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,127 sqft Heated Area
Gross Area	2,778 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,460 sqft (0.308 acres)
Driveway	Driveway
Driveway Area	624 sqft
Pool Type	Pool with Hot Tub/Spa
Pool Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	120 BAY LAKE CT
City	ORMOND BEACH
State	FL
Zip	32174-9252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLANTATION BAY PHASE 1C-F UNIT 2 LOT 120 OR 661 PG 888 OR 842 PG 1660 OR 2262/1825
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Phase	1C
Legal Lot Number	120
Legal Unit	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3018
Census Tract	60207

Owner

Source: Flagler County records · APN 03-13-31-5120-1C020-1200

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	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	120 BAY LAKE CT, ORMOND BEACH, FL 32174-9252
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Prior Sale	Mar 02, 2018 · Amount on Record
Deed Document Number	2024002006
Deed Book / Page	2839 / 1989
Record Updated	Jun 08, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 02, 2018
Property Address	120 BAY LAKE CT, ORMOND BEACH, FL 32174-9252
Document Number	0022621825
Book / Page	2262 / 1825
Map Reference	MB31 PG25-23
Instrument Date	Feb 28, 2018
Instrument	2018007679
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TITLE HOLDING CO LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,233.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9415 DISCOVERY TER # TER102B, 9415, BRADENTON, FL 34212-5119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 DONAL LN, COOKSTOWN, NJ 08511-1111

Mortgage

Document Number	2018007680
Date	Mar 02, 2018
Instrument	2018007680

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 01, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,938.00 (-65.14%) Homeowner's exemption	$178,556 (-54.41%)	$441,417 (+12.71%) Land $60,000 Building $381,417
2023	$5,559.00 (+12.92%)	$391,654 (+10.08%) Land $60,000 Building $331,654	$391,654 (+10.08%) Land $60,000 Building $331,654
2022	$4,923.00	$355,782 Land $60,000 Building $295,782	$355,782 Land $60,000 Building $295,782

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 794 per year
Exposure	Direct burnable vegetation at the parcel

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