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645 Elk River Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 645 Elk River Dr, Ormond Beach, FL 32174 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms2 Baths
Year BuiltBuilt 2014
Square Footage1,762 sqft Living Area
Lot Size8,364 sqft (0.192 acres)
OccupancyOwner Occupied
Last Sale$440,000 (2022)
Tax Bill$6,602.00 (2024)

Property Details

APN / Parcel Number

Primary APN03-13-31-5120-2AF05-0190

Interior

Full Baths2 Baths
Building Area1,762 sqft Living Area
Gross Area2,451 sqft Gross Area
1st Floor1,762 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Exterior MaterialStone Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialAsphalt Roof
Lot Area8,364 sqft (0.192 acres)
DrivewayDriveway Brick
Driveway Area480 sqft Driveway

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address645 ELK RIVER DR
CityORMOND BEACH
StateFL
Zip32174-1513
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 19 OR 2005/703 OR 2456/1766-DC OR 2456/1769
Legal Range31E
Legal Township13S
Legal Section03
Legal SubdivisionPLANTATION BAY
Legal Block2AF0
Legal Lot Number19
Legal Unit5
JurisdictionFLAGLER FL
Minor Civil DivisionBUNNELL
Census Blockgroup3
Census Block3006
Census Tract60207

Owner

Source: Flagler County records · APN 03-13-31-5120-2AF05-0190

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

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

Owner of Record2 Individual Names on File
Mailing Address645 ELK RIVER DR, ORMOND BEACH, FL 32174-1513
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2022Warranty Deed, Transfer · Conventional Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
Jul 09, 2020Warranty Deed, Transfer
SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 26, 2022 · Amount on Record
Deed SaleOct 26, 2022 · Amount on Record
Prior SaleJul 09, 2020 · Amount on Record
Deed Doc Number202251801
Deed Book / Page2730 / 1745
Record RefreshedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateOct 26, 2022
Property Address645 ELK RIVER DR, ORMOND BEACH, FL 32174-1513
Document Number0027301745
Book / Page2730 / 1745
Map ReferenceMB 37 PG 1-3
Instrument DateOct 21, 2022
Instrument2022051801
Transaction TypeTransfer
Record UpdatedNov 15, 2022
Title CompanySYNERGY TITLE AND ESCROW, SYNERGY TITLE & ESCROW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,080.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1314 ELLENDALE CV, 1314, SEVIERVILLE, TN 37862-9107

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 ELK RIVER DR, ORMOND BEACH, FL 32174-1513

Mortgage

Document Number0027301747
DateOct 26, 2022
Instrument2730/1747
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2052

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 09, 2020
Property Address645 ELK RIVER DR, ORMOND BEACH, FL 32174-1513
Document Number0024561769
Book / Page002456 / 001769
Instrument DateJul 07, 2020
Instrument25843
Transaction TypeTransfer
Record UpdatedAug 07, 2020
Title CompanySOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC

Transaction

AmountAmount Recorded
Tax$1,785.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1314 ELLENDALE CV SEVIERVILLE TN 378629107, SEVIERVILLE, TN 37862-9107

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified May 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$4,846.00 (-26.6%) Homeowner's exemption$385,022 (-0.17%) Land $72,500 Building $312,522$385,022 (-0.17%) Land $72,500 Building $312,522
2024$6,602.00
2023$6,602.00 (+0.36%) Homeowner's exemption$385,661 (+2.54%) Land $72,500 Building $313,161$385,661 (+2.54%) Land $72,500 Building $313,161
2022$6,578.00$376,109 Land $72,500 Building $303,609$376,109 Land $72,500 Building $303,609

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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