Volusia County property record for 509 Oyster Bay Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,462 sqft · built 1993 |
| Owner | Individual Name on Record |
| Last Sale | $422,000 (Apr 2020) |
| Tax Bill | $6,693 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3111-03-00-1030 |
| Primary APN | 3111-03-00-1030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,462 sqft Living Area |
| 1st Floor Area | 2,462 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Baked Enamel |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Tile |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 400 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 580 sqft |
| Patio Area | 920 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 5253597.0 |
|---|---|
| Old Parcel Number | 31131103001030 |
| Street Address | 509 OYSTER BAY DR |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-9258 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 103 PLANTATION BAY SECTION 1B-V UNIT 3 MB 43 PG 185 PER OR 3825 PG 2285 PER OR 7841 PG 1862 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 11 |
| Legal Subdivision | PLANTATION |
| Legal Tract | 3 |
| Legal Lot Number | 103 |
| Legal Unit | 3 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | ORMOND BEACH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 80102 |
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 | 509 OYSTER BAY DR, ORMOND BEACH, FL 32174-9258 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · VA Mortgage ACRISURE MORTGAGE LLC |
| Apr 16, 2020 | Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2020 · Amount on Record |
| Deed Sale | Apr 16, 2020 · Amount on Record |
| Deed Document Number | 2020-072142 |
| Deed Book / Page | 7841 / 1862 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 509 OYSTER BAY DR, ORMOND BEACH, FL 32174-9258 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 509 OYSTER BAY DR, ORMOND BEACH, FL 32174-9258 |
| Document Number | 0087832078 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 8783/2078 |
| Instrument | 2025219890 |
| Name | ACRISURE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Apr 16, 2020 |
| Property Address | 509 OYSTER BAY DR, ORMOND BEACH, FL 32174-9258 |
| Document Number | 0078411862 |
| Book / Page | 7841 / 1862 |
| Map Reference | MB 43 PG 185 |
| Instrument Date | Apr 10, 2020 |
| Instrument | 2020-072142 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | COVENANT CLOSING & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,954.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 815 MAPLEWOOD DR, 815, HARLEYSVILLE, PA 19438-1071 |
| Name | Verified Name |
|---|---|
| Address | 509 OYSTER BAY DR, ORMOND BEACH, FL 32174-9258 |
| Document Number | 0078411864 |
|---|---|
| Date | Apr 16, 2020 |
| Instrument | 7841/1864 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Volusia County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,693.00 (+11.51%) Homeowner's exemption | $379,973 (+5.99%) | $593,929 (+7.91%) Land $110,000 Building $483,929 |
| 2023 | $6,002.00 (+1.51%) Homeowner's exemption | $358,510 (+3%) | $550,393 (+6.71%) Land $110,000 Building $440,393 |
| 2022 | $5,913.00 Homeowner's exemption | $348,068 | $515,782 Land $120,000 Building $395,782 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 105 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 105 in force |
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 | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 | FGUA - PLANTATION BAY WTP private · serves 3,522 people · EPA ID FL2184251 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 5 ppb (2025) 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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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