Volusia County property record for 426 Sand Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,338 sqft · built 1995 |
| Owner | Individual Name on Record |
| Last Sale | $317,000 (Mar 2019) |
| Tax Bill | $5,000 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-4260 |
| Primary APN | 4124-05-00-4260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,338 sqft Living Area |
| 1st Floor Area | 2,338 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 532 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 350 sqft |
| Patio Area | 863 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 4983678.0 |
|---|---|
| Old Parcel Number | 31142405004260 |
| Street Address | 426 SAND CREEK LN |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-4898 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 426 TYMBER CREEK PHASE III MB 42 PGS 3 & 4 PER OR 4236 PG 817 PER OR 7664 PG 1888 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 24 |
| Legal Subdivision | TYMBER CREEK PH 03 |
| Legal Phase | 3 |
| Legal Tract | 5 |
| Legal Lot Number | 426 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
Source: Volusia County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 426 SAND CREEK LN, ORMOND BEACH, FL 32174-4898 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| Mar 5, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2019 · Amount on Record |
| Deed Sale | Mar 5, 2019 · Amount on Record |
| Prior Sale | Sep 19, 1997 · Amount on Record |
| Deed Document Number | 2019-044074 |
| Deed Book / Page | 7664 / 1888 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 426 SAND CREEK LN, ORMOND BEACH, FL 32174-4898 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0078403852 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 7840/3852 |
| Instrument | 2020-071254 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Mar 5, 2019 |
| Property Address | 426 SAND CREEK LN, ORMOND BEACH, FL 32174-4898 |
| Document Number | 0076641888 |
| Book / Page | 7664 / 1888 |
| Map Reference | MB 42 PG 3-4 |
| Instrument Date | Mar 4, 2019 |
| Instrument | 2019-044074 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | SOUTHERN TITLE HOLDING CO LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,219.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5753 HIGHWAY 85 N # N4284, 5753, CRESTVIEW, FL 32536-9365 |
| Name | Verified Name |
|---|---|
| Address | 426 SAND CREEK LN, ORMOND BEACH, FL 32174-4898 |
| Document Number | 2019044075 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 2019-044075 |
| Name | AMERICAN FINANCIAL RESOURCES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Volusia County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $5,000.00 (+16.17%) Homeowner's exemption | $323,578 (+5.99%) | $404,990 (-1.93%) Land $62,000 Building $342,990 |
| 2023 | $4,304.00 (+3.11%) Homeowner's exemption | $305,300 (+3%) | $412,945 (+12.54%) Land $62,000 Building $350,945 |
| 2022 | $4,174.00 Homeowner's exemption | $296,408 | $366,943 Land $51,000 Building $315,943 |
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 125 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 125 in force |
| Nearby Flood Claims | 43 (1994–2024) |
| Claims Outside the SFHA | 13 of 43 |
| 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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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