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644 Southlake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 644 Southlake Dr, Ormond Beach, FL 32174 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details4 ba · 3,260 sqft · built 2014
Lot Size0.273 acres (11,935 sqft)
OwnerIndividual Name on File
Last Sale$880,000 (Nov 2021)
Tax Bill$9,605 (2025)
Deeds & MortgagesMay 2021 Mortgage
Nov 2021 Sale
Flood ZoneZone X (minimal risk)
APN03-13-31-5120-2AF05-1250

Property Details

APN / Parcel Number

Primary APN03-13-31-5120-2AF05-1250

Interior

Full Baths4 Baths
Stories1 Story
Building Area3,260 sqft Heated Area
Gross Area4,600 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2019
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,935 sqft (0.273 acres)
Pool Area1,327 sqft
Deck Area907 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address644 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 125 OR 2042/281
Legal Range31E
Legal Township13S
Legal Section03
Legal SubdivisionPLANTATION BAY
Legal Lot Number125
Legal Unit5
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group3
Census Block3006
Census Tract60207

Owner

Source: Flagler County records · APN 03-13-31-5120-2AF05-1250

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address644 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
NAVY FCU
Nov 24, 2021Warranty Deed, Transfer
SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 24, 2021 · Amount on Record
Deed SaleNov 24, 2021 · Amount on Record
Prior SaleJan 02, 2015 · Amount on Record
Deed Document Number2021064732
Deed Book / Page2631 / 936
Record UpdatedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address644 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Transaction TypeMortgage
Record UpdatedDec 15, 2021
Title CompanyNAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514

Mortgage

Document Number0025610977
DateMay 11, 2021
Book Page2561/977
Instrument2021026049
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateNov 24, 2021
Property Address644 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514
Document Number0026310936
Book / Page2631 / 936
Map ReferenceMB 37 PG 1-3
Instrument DateNov 19, 2021
Instrument2021064732
Transaction TypeTransfer
Record UpdatedDec 15, 2021
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

AmountAmount Recorded
Tax$6,160.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address800 BELLE TERRE PKWY # PKWY200-32, 800, PALM COAST, FL 32164-2314

Transferred To (Grantee/Buyer)

NameVerified Name
Address644 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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$9,605.00 (-21.3%) Homeowner's exemption$722,933 (-1.99%)$788,183 (+6.85%) Land $82,000 Building $706,183
2023$12,204.00 (+6.61%)$737,642 (+5.15%) Land $82,000 Building $655,642$737,642 (+5.15%) Land $82,000 Building $655,642
2022$11,447.00$701,534 Land $82,000 Building $619,534$701,534 Land $82,000 Building $619,534

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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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