Flagler County property record for 643 Elk River Dr, Ormond Beach, FL 32174 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 2,498 sqft Heated Area |
| Lot Size | 8,668 sqft (0.198 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $315,000 (2015) |
| Tax Bill | $4,183.00 (2025) |
| Primary APN | 03-13-31-5120-2AF05-0200 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 2,498 sqft Heated Area |
| Gross Area | 3,672 sqft Gross Area |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,668 sqft (0.198 acres) |
| Driveway | 1 Driveway |
| Driveway Area | 416 sqft Driveway |
| Fence | Fence |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 643 ELK RIVER DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1513 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 20 OR 2097/942 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 20 |
| Legal Unit | 5 |
| Jurisdiction | FLAGLER FL |
| Minor Civil Division | BUNNELL |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF05-0200
Assessment roll updated July 1, 2025 · Last verified January 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 | 643 ELK RIVER DR, ORMOND BEACH, FL 32174-1513 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 14, 2019 | Loan Modification, Mortgage · Conventional Mortgage SUNTRUST BK |
| Feb 15, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2015 · Amount on Record |
| Deed Sale | Nov 20, 2015 · Amount on Record |
| Deed Doc Number | 2015035096 |
| Deed Book / Page | 2097 / 0942 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 643 ELK RIVER DR, ORMOND BEACH, FL 32174-1513 |
| Document Number | 0023370021 |
| Instrument Date | Feb 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 05, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 643 ELK RIVER DR ORMOND BEACH FL 321741513, ORMOND BEACH, FL 32174-1513 |
| Document Number | 0023370021 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 002337/000021 |
| Instrument | 6183 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 21, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 643 ELK RIVER DR, ORMOND BEACH, FL 32174-1513 |
| Document Number | 0021900927 |
| Instrument Date | Feb 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 643 ELK RIVER DR ORMOND BEACH FL 321741513, ORMOND BEACH, FL 32174-1513 |
| Document Number | 0021900927 |
|---|---|
| Date | Mar 03, 2017 |
| Book Page | 002190/000927 |
| Instrument | 7702 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 02, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,183.00 (-25.95%) Homeowner's exemption | $337,962 (+5.99%) | $488,842 (-0.12%) Land $72,500 Building $416,342 |
| 2023 | $5,649.00 (+5.69%) Homeowner's exemption | $318,872 (+3%) | $489,430 (+2.72%) Land $72,500 Building $416,930 |
| 2022 | $5,345.00 Homeowner's exemption | $309,585 | $476,460 Land $72,500 Building $403,960 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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