43 N St Andrews Dr, Ormond Beach, FL 32174 Property Records

Volusia County property record for 43 N St Andrews Dr, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,105 sqft · built 1978
Lot Size	0.489 acres (21,300 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jul 2019)
Tax Bill	$3,473 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3242-11-00-0030`

Property Details

APN / Parcel Number

Primary APN	`3242-11-00-0030`
Alternative APNs	`32134211000030` `42133211000030` `3002792.0` `3002792`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,105 sqft Living Area
1st Floor Area	2,105 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,300 sqft (0.489 acres)
Lot Dimensions	213 ft deep x 100 ft wide

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	36 sqft
Patio Area	312 sqft
Shed	1 Shed
Shed Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	3002792
Street Address	43 N ST ANDREWS DR
City	ORMOND BEACH
State	FL
Zip	32174-3838
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 TOMOKA OAKS SUB UNIT 5 MB 34 PG 142 PER OR 5074 PG 2473 PER OR 6507 PG 0283 PER OR 7538 PG 4500 PER OR 7537 PG 0986 PER OR 7716 PG 0057
Legal Range	32E
Legal Township	13S
Legal Section	42
Legal Subdivision	TOMOKA OAKS SUB
Legal Tract	11
Legal Lot Number	3
Legal Unit	5
Jurisdiction	VOLUSIA FL
Township / Civil Division	ORMOND BEACH
Census Block Group	3
Census Block	3002
Census Tract	80807

Owner

Source: Volusia County assessment roll, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	43 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3838
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2019	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Apr 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage RENASANT BK
Apr 25, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 3, 2019 · Amount on Record
Deed Sale	Jul 3, 2019 · Amount on Record
Prior Sale	Aug 19, 2010 · Amount on Record
Deed Document Number	2019131087
Deed Book / Page	7716 / 57
Prior Transfer Date	Apr 4, 2018
Prior Transfer Doc	0075370986
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	Jul 3, 2019
Property Address	43 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3838
Document Number	0077160057
Book / Page	007716 / 000057
Instrument Date	Jul 1, 2019
Instrument	131087
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	43 N ST ANDREWS DR ORMOND BEACH FL 321743838, ORMOND BEACH, FL 32174-3838

Mortgage

Document Number	77160059
Date	Jul 3, 2019
Book Page	007716/000059
Instrument	131088

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	43 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3838
Document Number	0075370988
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Jun 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 N ST ANDREWS DR ORMOND BEACH FL 321743838, ORMOND BEACH, FL 32174-3838

Mortgage

Document Number	0075370988
Date	Apr 25, 2018
Book Page	007537/000988
Instrument	83406

Lender

Name	RENASANT BK
Type	Bank
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	VOLUSIA FL
Recording Date	Apr 25, 2018
Property Address	43 N ST ANDREWS DR, ORMOND BEACH, FL 32174-3838
Document Number	0075370986
Book / Page	007537 / 000986
Instrument Date	Apr 4, 2018
Instrument	83405
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 N ANDREWS DR ORMOND BEACH FL 32174, ORMOND BEACH, FL 32174

Tax Assessment & Valuation

Source: Volusia County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Volusia County
Municipality	Ormond Beach City
Unified School District	Volusia County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$261,582 (+2.7%)	$323,166 (+1.49%) Land $36,900 Building $286,266
2025	$3,473.00 (+8.6%) Homeowner's exemption	$254,705 (+7.21%)	$318,432 (-5%) Land $36,900 Building $281,532
2023	$3,198.00 (+3.26%) Homeowner's exemption	$237,574 (+3%)	$335,181 (+9.18%) Land $36,162 Building $299,019
2022	$3,097.00 Homeowner's exemption	$230,654	$306,990 Land $36,162 Building $270,828

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Hurricane Ian, Sep 2022 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 62 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 · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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