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628 Southlake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 628 Southlake Dr, Ormond Beach, FL 32174 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,329 sqft · built 2018
Lot Size0.257 acres (11,195 sqft)
OwnerIndividual Name on File
Last Sale$483,500 (Sep 2018)
Tax Bill$5,672 (2025)
Deeds & MortgagesOct 2018 Reverse Mortgage
Oct 2020 Reverse Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN03-13-31-5120-2AF05-1180

Property Details

APN / Parcel Number

Primary APN03-13-31-5120-2AF05-1180

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms3 Rooms
Stories1 Story
Building Area2,329 sqft Living Area
Gross Area3,109 sqft
1st Floor Area2,329 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialStone
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,195 sqft (0.257 acres)
DrivewayBrick Driveway
Driveway Area448 sqft
Pool Area586 sqft
Deck Area434 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address628 SOUTHLAKE DR
CityORMOND BEACH
StateFL
Zip32174-1514
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 118 OR 2304/281
Legal Range31E
Legal Township13S
Legal Section03
Legal SubdivisionPLANTATION BAY
Legal Block2AF0
Legal Lot Number118
Legal Unit5
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group3
Census Block3006
Census Tract60207

Owner

Source: Flagler County records · APN 03-13-31-5120-2AF05-1180

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2018Deed of Trust, Mortgage · Reverse Mortgage
LIBERTY HOME EQUITY SOLUTIONS INC
Oct 14, 2020Deed of Trust, Mortgage · Reverse Mortgage
PHH MORTGAGE SERVICES CORP
Oct 06, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Oct 11, 2018Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Sep 05, 2018Grant Deed, Transfer
SOUTHERN TITLE HOLDING COMPANY LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 05, 2018 · Amount on Record
Deed SaleSep 05, 2018 · Amount on Record
Deed Document Number201833598
Deed Book / Page2304 / 281
Record UpdatedJun 08, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023130618
DateOct 19, 2018
Book Page2313/0618
Instrument2018039558
Lender
NameLIBERTY HOME EQUITY SOLUTIONS INC
TypeReverse Mortgage Lender
AddressRANCHO CORDOVA, CA 95670
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term966 Months
DueApr 20, 2099
Interest
Rate TypeAdjustable Rate
Rate4.95%
Type Change DateNov 01, 2019
Change FrequencyAnnually
Min Rate At Change2%
Index1-Year LIBOR
Max Rate5%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514

Mortgage

Document Number0024850591
DateOct 14, 2020
Book Page2485/591
Instrument2020041430
Lender
NamePHH MORTGAGE SERVICES CORP
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term942 Months
DueApr 20, 2099
Interest
Rate TypeAdjustable Rate
Rate2.73%
Type Change DateNov 01, 2021
Index1-Year LIBOR

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Document Number0024850606
Instrument DateOct 06, 2020
Transaction TypeMortgage
Record UpdatedNov 04, 2020
Title CompanyFAMILY TITLE CORPORATION, FAMILY ESCROW & TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514

Mortgage

Document Number0024850606
DateOct 14, 2020
Book Page002485/000606
Instrument41431
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term948 Months
DueOct 13, 2099
Interest
Rate TypeAdjustable Rate
Rate2%

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Document Number0023130633
Instrument DateOct 11, 2018
Transaction TypeMortgage
Record UpdatedNov 07, 2018
Title CompanyAMER ESCROW AND TITLE, AMER ESCROW & TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514

Mortgage

Document Number0023130633
DateOct 19, 2018
Book Page002313/000633
Instrument39559
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term972 Months
DueOct 18, 2099
Interest
Rate TypeAdjustable Rate
Rate4.95%

September 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionFLAGLER FL
Recording DateSep 05, 2018
Property Address628 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Document Number0023040281
Book / Page002304 / 000281
Instrument DateAug 31, 2018
Instrument33598
Transaction TypeTransfer
Record UpdatedOct 01, 2018
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC

Transaction

AmountAmount Recorded
Tax$3,384.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,672.00 (-21.26%) Homeowner's exemption$443,654 (+5.99%)$585,357 (+10.3%) Land $72,500 Building $512,857
2024$7,203.00 (+1.85%)
2023$7,072.00 (+5.36%) Homeowner's exemption$418,593 (+3%)$530,680 (+3.74%) Land $72,500 Building $458,180
2022$6,712.00 Homeowner's exemption$406,401$511,525 Land $72,500 Building $439,025

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 140 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies140 in force
Nearby Flood Claims3 (1994–2019)
Claims Outside the SFHA1 of 3
Most Recent ClaimJan 2019, other causes

Wildfire

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 441 per year
ExposureDirect
burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 227 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

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