Flagler County property record for 226 Ashford Lakes Cir, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,959 sqft · built 2019 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $371,356 (Apr 2019) |
| Tax Bill | $5,893 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit May 2021 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-14-31-0250-00000-0440 |
| Primary APN | 22-14-31-0250-00000-0440 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,959 sqft Living Area |
| Gross Area | 3,842 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 16,117 sqft (0.37 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 866 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 226 ASHFORD LAKES CIR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHFORD LAKES ESTATES LOT 44 MB 37 PG 42 OR 1977/1827 OR 2208/1408 OR 2346/1543 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 22 |
| Legal Subdivision | ASHFORD LAKES ESTATES |
| Legal Lot Number | 44 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 4 |
| Census Block | 4141 |
| Census Tract | 60207 |
Source: Flagler County records · APN 22-14-31-0250-00000-0440
Assessment roll updated December 8, 2025 · Last verified July 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 |
|---|---|
| Mailing Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2023 | Deed of Trust, Mortgage · Line of Credit LAFAYETTE FCU |
| May 12, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Dec 20, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRST FED'L BK/KANSAS CITY |
| Apr 05, 2019 | Grant Deed, Subdivision Related Transfer FIRST FED'L BK/KANSAS CITY |
| Feb 27, 2019 | Loan Modification, Mortgage · Line of Credit FLAGSTAR BK |
| Jun 21, 2018 | Loan Modification, Mortgage · Line of Credit FLAGSTAR BK |
| Apr 09, 2018 | Loan Modification, Mortgage FLAGSTAR BK |
| May 23, 2017 | Loan Modification, Mortgage |
| Jun 01, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 05, 2019 · Amount on Record |
| Deed Sale | Apr 05, 2019 · Amount on Record |
| Prior Sale | May 01, 2017 · Amount on Record |
| Deed Document Number | 201912000 |
| Deed Book / Page | 2346 / 1543 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2023 |
| Name | Verified Name |
|---|---|
| Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0027980739 |
|---|---|
| Date | Jul 21, 2023 |
| Book Page | 2798/739 |
| Instrument | 2023031417 |
| Name | LAFAYETTE FCU |
|---|---|
| Type | Credit Union |
| Address | ROCKVILLE, MD 20852 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 31, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0025611851 |
|---|---|
| Date | May 12, 2021 |
| Book Page | 2561/1851 |
| Instrument | 2021026292 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0024140340 |
| Instrument Date | Dec 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2020 |
| Title Company | TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 226 ASHFORD LAKES CIR ORMOND BEACH FL 321741410, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0024140340 |
|---|---|
| Date | Jan 22, 2020 |
| Book Page | 002414/000340 |
| Instrument | 2675 |
| Name | FIRST FED'L BK/KANSAS CITY |
|---|---|
| Address | KANSAS CITY, MO 64120 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 05, 2019 |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0023461543 |
| Book / Page | 002346 / 001543 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 12000 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Apr 12, 2019 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TR |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,599.49 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 ASHFORD LAKES CIR ORMOND BEACH FL 32174, ORMOND BEACH, FL 32174 |
| Document Number | 23461545 |
|---|---|
| Date | Apr 05, 2019 |
| Book Page | 002346/001545 |
| Instrument | 12001 |
| Name | FIRST FED'L BK/KANSAS CITY |
|---|---|
| Address | KANSAS CITY, MO 64120 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 04, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Feb 27, 2019 |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0023371526 |
| Book / Page | 002337 / 001526 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 6705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 48 ASHFORD LAKES DR ORMOND BEACH FL 321741493, ORMOND BEACH, FL 32174-1493 |
| Document Number | 23371526 |
|---|---|
| Date | Feb 27, 2019 |
| Book Page | 002337/001526 |
| Instrument | 6705 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 21, 2018 |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0022871186 |
| Book / Page | 002287 / 001186 |
| Instrument Date | Jun 20, 2018 |
| Instrument | 23126 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 48 ASHFORD LAKES DR ORMOND BEACH FL 321741493, ORMOND BEACH, FL 32174-1493 |
| Document Number | 22871186 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 002287/001186 |
| Instrument | 23126 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0022711298 |
| Instrument Date | Apr 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290 |
| Document Number | 0022711298 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 002271/001298 |
| Instrument | 13209 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | 5151 CORPORATE DR # E, TROY, MI 48098-2639 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0022090001 |
| Book / Page | 002209 / 000001 |
| Instrument Date | May 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 360 CORPORATE WAY ORANGE PARK FL 320736290, ORANGE PARK, FL 32073-6290 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 01, 2017 |
| Property Address | 226 ASHFORD LAKES CIR, ORMOND BEACH, FL 32174-1410 |
| Document Number | 0022081408 |
| Book / Page | 002208 / 001408 |
| Instrument Date | May 23, 2017 |
| Instrument | 19176 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $945.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 360 CORPORATE WAY #100 ORANGE PARK FL 320736290, 100, ORANGE PARK, FL 32073-6290 |
| Investor | Possibly a Property Investor |
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified July 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 | $5,893.00 (-2.56%) Homeowner's exemption | $469,807 (+5.99%) | $638,407 (+3.9%) Land $105,000 Building $533,407 |
| 2023 | $6,048.00 (+42.74%) Homeowner's exemption | $443,268 (+38.94%) | $614,456 (+26.34%) Land $76,000 Building $538,456 |
| 2022 | $4,237.00 Homeowner's exemption | $319,039 | $486,367 Land $76,000 Building $410,367 |
Source: FEMA National Flood Hazard Layer, Flagler County (12035C), as of March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602074, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 63 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 63 in force |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Nov 2024 · tidal / storm surge |
| Wildfire Risk | Moderate above 58% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 8,000 / 8,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Metronet Holdings.
Based on FCC filings for 163 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3640963, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ORMOND BEACH serves 59,744 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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