Flagler County property record for 610 Southlake Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,795 sqft · built 2018 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $560,200 (Dec 2018) |
| Tax Bill | $6,344 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit May 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-13-31-5120-2AF05-1090 |
| Primary APN | 03-13-31-5120-2AF05-1090 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,795 sqft Living Area |
| Gross Area | 4,209 sqft |
| 1st Floor Area | 2,795 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,411 sqft (0.239 acres) |
| Driveway | Brick Driveway |
| Driveway Area | 1,300 sqft |
| Porch | Enclosed Porch |
| Patio Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 610 SOUTHLAKE DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 109 OR 2324/1130 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Block | 2AF0 |
| Legal Lot Number | 109 |
| Legal Unit | 5 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
Source: Flagler County records, as of June 4, 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 Record |
|---|---|
| Mailing Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Mar 1, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Dec 13, 2018 | Grant Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2018 · Amount on Record |
| Deed Sale | Dec 13, 2018 · Amount on Record |
| Deed Document Number | 201846443 |
| Deed Book / Page | 2324 / 1130 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 21, 2026 |
| Property Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0000020694 |
| Book / Page | 3056 / 1455 |
| Instrument Date | Apr 8, 2026 |
| Instrument | 202620694 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0000020694, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 3056/1455 |
| Instrument | 202620694 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 25, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0025611281 |
|---|---|
| Date | May 11, 2021 |
| Book Page | 2561/1281 |
| Instrument | 2021026109 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0024561521 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 610 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0024561521 |
|---|---|
| Date | Jul 8, 2020 |
| Book Page | 002456/001521 |
| Instrument | 25779 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 7, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0023400128 |
| Instrument Date | Mar 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2019 |
| Name | Verified Name |
|---|---|
| Address | 610 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0023400128 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 002340/000128 |
| Instrument | 8030 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 7, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 13, 2018 |
| Property Address | 610 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0023241130 |
| Book / Page | 002324 / 001130 |
| Instrument Date | Dec 11, 2018 |
| Instrument | 46443 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2018 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,921.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 610 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514 |
| Document Number | 23241131 |
|---|---|
| Date | Dec 13, 2018 |
| Book Page | 002324/001131 |
| Instrument | 46444 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,344.00 (-18.29%) Homeowner's exemption | $491,370 (+5.2%) | $690,163 (+10.17%) Land $72,500 Building $617,663 |
| 2023 | $7,764.00 (+5.25%) Homeowner's exemption | $467,071 (+3%) | $626,449 (+2.69%) Land $72,500 Building $553,949 |
| 2022 | $7,377.00 Homeowner's exemption | $453,467 | $610,012 Land $72,500 Building $537,512 |
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 March 5, 2025 · 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 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 |
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 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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