Flagler County property record for 638 Southlake Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,745 sqft · built 2017 |
| Lot Size | 0.237 acres (10,324 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $847,000 (Nov 2023) |
| Tax Bill | $6,504 (2025) |
| Deeds & Mortgages | Nov 2023 Sale Mar 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-13-31-5120-2AF05-1220 |
| Primary APN | 03-13-31-5120-2AF05-1220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,745 sqft Heated Area |
| Gross Area | 3,886 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,324 sqft (0.237 acres) |
| Driveway | Driveway |
| Driveway Area | 824 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 638 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 122 OR 2239/989 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 122 |
| 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 December 22, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2023 | Warranty Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Mar 17, 2022 | Warranty Deed, Transfer SOUTHERN TITLE |
| Jun 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RENASANT BANK |
| Nov 1, 2017 | Corporation Deed, Transfer · Conventional Mortgage RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on Record |
| Deed Sale | Nov 20, 2023 · Amount on Record |
| Prior Sale | Nov 1, 2017 · Amount on Record |
| Deed Document Number | 2023050392 |
| Deed Book / Page | 2828 / 409 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 20, 2023 |
| Property Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0028280409 |
| Book / Page | 2828 / 409 |
| Map Reference | MB 37 PG 1-3 |
| Instrument Date | Nov 13, 2023 |
| Instrument | 2023050392 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,929.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37347 KESTREL WAY, MILLVILLE, DE 19970-3270 |
| Name | Verified Name |
|---|---|
| Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 17, 2022 |
| Property Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0026681751 |
| Book / Page | 2668 / 1751 |
| Map Reference | MB 37 PG 1-3 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022014209 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | SOUTHERN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,775.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4608 ANGLEWOOD DRIVE, SAINT JOSEPH, MO 64506 |
| Name | Verified Name |
|---|---|
| Address | 638 SCUTHLAKE DRIVE, ORMOND BEACH, FL 32174-1514 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022840986 |
|---|---|
| Date | Jun 7, 2018 |
| Book Page | 2284/0986 |
| Instrument | 2018021151 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Document Type | Corporation Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 1, 2017 |
| Property Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0022390989 |
| Book / Page | 2239 / 0989 |
| Map Reference | MB37 PG1-3 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 2017038425 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTHERN TITLE HOLDING CO LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,947.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2379 BEVILLE RD, 2379, DAYTONA BEACH, FL 32119-8720 |
| Name | Verified Name |
|---|---|
| Address | 638 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 2017038426 |
|---|---|
| Date | Nov 1, 2017 |
| Instrument | 2017038426 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
Source: Flagler County assessment roll, as of July 1, 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 | $6,504.00 (-38.96%) Homeowner's exemption | $502,751 (-25.48%) | $736,264 (+9.13%) Land $72,500 Building $663,764 |
| 2023 | $10,655.00 (+56.97%) Homeowner's exemption Widower's exemption | $674,644 (+63.83%) Land $72,500 Building $602,144 | $674,644 (+18.14%) Land $72,500 Building $602,144 |
| 2022 | $6,788.00 Homeowner's exemption | $411,805 | $571,034 Land $72,500 Building $498,534 |
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.
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 65% of the US · above 42% 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 227 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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