609 Andrews St, Ormond Beach, FL 32174 Property Records

Volusia County property record for 609 Andrews St, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,857 sqft · built 1986
Lot Size	0.195 acres (8,475 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (May 2026)
Tax Bill	$1,911 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`4240-03-06-0170`

Property Details

APN / Parcel Number

Primary APN	`4240-03-06-0170`
Alternative APNs	`32144003060170` `40143203060170` `3155602.0` `3155602`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,857 sqft Living Area
Gross Area	2,385 sqft
1st Floor Area	1,737 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,475 sqft (0.195 acres)
Lot Dimensions	113 ft deep x 75 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	138 sqft
Deck Area	117 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3155602
Street Address	609 ANDREWS ST
City	ORMOND BEACH
State	FL
Zip	32174-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 112.5 FT OF LOT 17 & N 12.5 FT OF W 112.5 FT OF LOT 16 & S 12.5 FT OF W 112.5 FT OF LOT 18 BLK 6 ORMOND TERRACE ANNEX MB 10 PG 137 PER OR 3932 PG 2221 PER OR 5471 PG 0566 PER OR 5506 PGS 0701-0702
Legal Range	32E
Legal Township	14S
Legal Section	40
Legal Subdivision	ORMOND TERRACE ANNEX MB
Legal Tract	03
Legal Block	6
Legal Lot Number	17,16
Jurisdiction	VOLUSIA FL
Township / Civil Division	ORMOND BEACH
Census Block Group	2
Census Block	2003
Census Tract	80700

Owner

Source: Volusia County records · APN 4240-03-06-0170

Assessment roll updated March 16, 2026 · 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	609 ANDREWS ST, ORMOND BEACH, FL 32174-5213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jan 10, 2005 · Amount on Record
Deed Document Number	202696999
Deed Book / Page	8859 / 2878
Prior Transfer Date	Dec 29, 2004
Prior Transfer Doc	0055060701
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VOLUSIA FL
Recording Date	May 29, 2026
Property Address	609 ANDREWS ST, ORMOND BEACH, FL 32174-5213
Document Number	0000096999
Book / Page	8859 / 2878
Instrument Date	May 28, 2026
Instrument	202696999
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$233,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 ANDREWS ST, ORMOND BEACH, FL 32174-5213

Mortgage

Document Number	0000097000,
Date	May 29, 2026
Instrument	202697000

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated March 16, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$163,518 (+2.7%)	$365,140 (+0.91%) Land $91,125 Building $274,015
2025	$1,911.00 (+7.91%) Homeowner's exemption	$159,220 (+5.99%)	$361,865 (+7.33%) Land $91,125 Building $270,740
2023	$1,771.00 (+3.75%) Homeowner's exemption	$150,227 (+3%)	$337,140 (+3.54%) Land $91,125 Building $246,015
2022	$1,707.00 Homeowner's exemption	$145,851	$325,624 Land $91,125 Building $234,499

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 81 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	66 (1979–2024)
Claims Outside the SFHA	15 of 66
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 7 claims Hurricane Irma, Sep 2017 · 10 claims Hurricane Frances, Sep 2004 · 13 claims

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wire 3 Holdings Fiber	10,000 / 10,000
Metronet Holdings Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 280 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

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 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.