Flagler County property record for 55 Villa Lago Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,172 sqft · built 1997 |
| Lot Size | 0.214 acres (9,365 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Nov 2019) |
| Tax Bill | $428 (2024) |
| Deeds & Mortgages | Dec 2018 Reverse Mortgage Nov 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-13-31-5120-1C010-0550 |
| Primary APN | 03-13-31-5120-1C010-0550 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,172 sqft Heated Area |
| Gross Area | 3,016 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.214 acres) |
| Driveway | Driveway |
| Driveway Area | 320 sqft |
| Pool Type | Enclosed Pool |
| Pool Area | 366 sqft |
| Deck Area | 534 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 55 VILLA LAGO LN |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-9271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY PHASE 1C-F UNIT 1 LOT 55 OR 573 PG 1073 OR 2325/446-447-DC&ACM OR 2399/1367-DC OR 2366/969-SA OR 2399/1365 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Phase | 1C |
| Legal Lot Number | 55 |
| Legal Unit | 1 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-1C010-0550
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 | Individual Name on File |
|---|---|
| Mailing Address | 55 VILLA LAGO LN, ORMOND BEACH, FL 32174-9271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2018 | Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC |
| Nov 19, 2019 | Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Dec 12, 2018 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Mar 21, 2018 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK/TALLAHASSEE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 19, 2019 · Amount on Record |
| Deed Sale | Nov 19, 2019 · Amount on Record |
| Prior Sale | Jan 13, 1997 · Amount on Record |
| Deed Document Number | 2019043161 |
| Deed Book / Page | 2399 / 1365 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 55 VILLA LAGO LN, ORMOND BEACH, FL 32174-9271 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023250448 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 2325/0448 |
| Instrument | 2018046877 |
| Name | REVERSE MORTGAGE FUNDING LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BLOOMFIELD, NJ 07003 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 769 Months |
| Due | Jan 02, 2083 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.85% |
| Type Change Date | Jan 01, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 19, 2019 |
| Property Address | 55 VILLA LAGO LN, ORMOND BEACH, FL 32174-9271 |
| Document Number | 0023991365 |
| Book / Page | 002399 / 001365 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 43161 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 502 DORSET CIR SOUTH DAYTONA FL 321193222, SOUTH DAYTONA, FL 32119-3222 |
| Document Number | 23991368 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 002399/001368 |
| Instrument | 43163 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 55 VILLA LAGO LN, ORMOND BEACH, FL 32174-9271 |
| Document Number | 0023250463 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 55 VILLA LAGO LN ORMOND BEACH FL 321749271, ORMOND BEACH, FL 32174-9271 |
| Document Number | 0023250463 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 002325/000463 |
| Instrument | 46878 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | SW WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 780 Months |
| Due | Dec 16, 2083 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 55 VILLA LAGO LN, ORMOND BEACH, FL 32174-9271 |
| Document Number | 0022711193 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2018 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Address | 55 VILLA LAGO LN ORMOND BEACH FL 321749271, ORMOND BEACH, FL 32174-9271 |
| Document Number | 0022711193 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 002271/001193 |
| Instrument | 13183 |
| Name | SUNTRUST BK/TALLAHASSEE |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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 | $290,637 (+5.99%) | $418,920 (+2%) Land $70,000 Building $348,920 | |
| 2024 | $428.00 | ||
| 2023 | $428.00 (+42.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $274,220 (+3%) | $410,714 (+9.92%) Land $70,000 Building $340,714 |
| 2022 | $300.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $266,233 | $373,659 Land $70,000 Building $303,659 |
Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602073, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels 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 140 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 140 in force |
| Nearby Flood Claims | 3 (1994–2019) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jan 2019 · other causes |
| Wildfire Risk | Moderate above 43% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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, availability as of December 31, 2025 · sampled at 156 locations within half a mile · Last verified October 2026
| 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 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FGUA - PLANTATION BAY WTP private · serves 3,522 people |
|---|---|
| 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures