Flagler County property record for 638 Elk River Dr, Ormond Beach, FL 32174 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2014 |
| Square Footage | 2,750 sqft Living Area |
| Lot Size | 8,625 sqft (0.198 acres) |
| Garage | Attached |
| Occupancy | Owner Occupied |
| Last Sale | $650,000 (2022) |
| Tax Bill | $3,793.00 (2024) |
| Primary APN | 03-13-31-5120-2AF05-0540 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,750 sqft Living Area |
| Gross Area | 3,773 sqft Gross Area |
| 1st Floor | 2,750 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Stone Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 8,625 sqft (0.198 acres) |
| Driveway | Driveway Brick |
| Driveway Area | 810 sqft Driveway |
| Garage Type | Attached Garage |
| Porch | Enclosed Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 638 ELK RIVER DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1512 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 54 OR 2035/655 OR 2454/167-DC OR 2454/165-RDMAN THOMAS J CUMMINGS |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Block | 2AF0 |
| Legal Lot Number | 54 |
| Legal Unit | 5 |
| Jurisdiction | FLAGLER FL |
| Minor Civil Division | BUNNELL |
| Census Blockgroup | 3 |
| Census Block | 3008 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF05-0540
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Nov 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 30, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 15, 2022 · Amount on Record |
| Deed Sale | Nov 15, 2022 · Amount on Record |
| Prior Sale | Nov 19, 2014 · Amount on Record |
| Deed Doc Number | 202253798 |
| Deed Book / Page | 2734 / 146 |
| Prior Transfer Date | Jun 29, 2020 |
| Prior Transfer Doc | 0024540165 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 15, 2022 |
| Property Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Document Number | 0027340146 |
| Book / Page | 2734 / 146 |
| Map Reference | MB 37 PG 1-3 |
| Instrument Date | Nov 07, 2022 |
| Instrument | 2022053798 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2022 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,550.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 LONGRIDGE LN, 23, ORMOND BEACH, FL 32174-1057 |
| Name | Verified Name |
|---|---|
| Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Document Number | 0002734147 |
|---|---|
| Date | Nov 15, 2022 |
| Instrument | 2734/147 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Document Number | 0025880676 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 2588/676 |
| Instrument | 2021040983 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 30, 2020 |
| Property Address | 638 ELK RIVER DR, ORMOND BEACH, FL 32174-1512 |
| Document Number | 0024540165 |
| Book / Page | 002454 / 000165 |
| Instrument Date | Jun 29, 2020 |
| Instrument | 24433 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 ELK RIVER DR ORMOND BEACH FL 321741512, ORMOND BEACH, FL 32174-1512 |
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,174.00 (-42.68%) Homeowner's exemption | $195,359 (+5.99%) | $521,719 (-0.15%) Land $82,000 Building $439,719 |
| 2024 | $3,793.00 (+1.72%) | ||
| 2023 | $3,729.00 (-31.5%) Homeowner's exemption | $184,324 (-46.91%) | $522,490 (+2.65%) Land $82,000 Building $440,490 |
| 2022 | $5,444.00 Homeowner's exemption Disabled Person's exemption Widower's exemption Additional exemption filed | $347,196 | $509,003 Land $82,000 Building $427,003 |
Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 368 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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