645 Southlake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 645 Southlake Dr, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,624 sqft · built 2015
Lot Size	0.259 acres (11,282 sqft)
Owner	2 Individual Names on File
Last Sale	$502,900 (Jun 2015)
Tax Bill	$5,640 (2025)
Deeds & Mortgages	May 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-13-31-5120-2AF05-0900`

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-2AF05-0900`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,624 sqft Living Area
Gross Area	3,675 sqft
1st Floor Area	2,624 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,282 sqft (0.259 acres)
Driveway	Brick Driveway
Driveway Area	1,161 sqft
Pool Area	1,308 sqft
Deck Area	1,092 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	645 SOUTHLAKE DR
City	ORMOND BEACH
State	FL
Zip	32174-1515
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 90 OR 2071/1045
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Block	2AF0
Legal Lot Number	90
Legal Unit	5
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3008
Census Tract	60207

Owner

Source: Flagler County records · APN 03-13-31-5120-2AF05-0900

Assessment roll updated December 8, 2025 · Last verified June 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	645 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 26, 2015 · Amount on Record
Deed Sale	Jun 26, 2015 · Amount on Record
Deed Document Number	201519369
Deed Book / Page	2071 / 1045
Last Transfer Date	May 07, 2026
Transfer Doc	0000019753
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLAGLER FL
Recording Date	May 14, 2026
Property Address	645 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515
Document Number	0000019753
Book / Page	3054 / 1896
Instrument Date	May 07, 2026
Instrument	2026.19753
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	645 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,640.00 (-19.91%) Homeowner's exemption	$441,393 (+5.99%)	$660,891 (+8.63%) Land $82,000 Building $578,891
2023	$7,042.00 (+5.37%) Homeowner's exemption	$416,459 (+3%)	$608,402 (+3.61%) Land $82,000 Building $526,402
2022	$6,683.00 Homeowner's exemption	$404,329	$587,194 Land $82,000 Building $505,194

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 227 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FGUA - PLANTATION BAY WTP private · serves 3,522 people
Water Source	Groundwater
Last State Inspection	May 2024
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.