Flagler County property record for 654 Southlake Dr, Ormond Beach, FL 32174 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,885 sqft Heated Area |
| Lot Size | 10,934 sqft (0.251 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $537,700 (2018) |
| Tax Bill | $7,247.00 (2025) |
| Primary APN | 03-13-31-5120-2AF05-1300 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 2,885 sqft Heated Area |
| Gross Area | 4,572 sqft Gross Area |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| 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 | 10,934 sqft (0.251 acres) |
| Driveway | 1 Driveway |
| Driveway Area | 560 sqft Driveway |
| Pool Area | 1,109 sqft Pool |
| Deck Area | 632 sqft Deck |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 654 SOUTHLAKE DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1514 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 130 OR 2277/1349 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 130 |
| Legal Unit | 5 |
| Jurisdiction | FLAGLER FL |
| Minor Civil Division | BUNNELL |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF05-1300
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| May 08, 2018 | Grant Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 08, 2018 · Amount on Record |
| Deed Sale | May 08, 2018 · Amount on Record |
| Deed Doc Number | 2018016856 |
| Deed Book / Page | 2277 / 1349 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 654 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024590776 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 2459/776 |
| Instrument | 2020027220 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 08, 2018 |
| Property Address | 654 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1514 |
| Document Number | 0022771349 |
| Book / Page | 002277 / 001349 |
| Instrument Date | Apr 05, 2018 |
| Instrument | 16856 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2018 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,763.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 654 SOUTHLAKE DR ORMOND BEACH FL 321741514, ORMOND BEACH, FL 32174-1514 |
| Document Number | 22771350 |
|---|---|
| Date | May 08, 2018 |
| Book Page | 002277/001350 |
| Instrument | 16857 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2048 |
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 | $7,247.00 (-15.52%) Homeowner's exemption | $555,470 (+5.99%) | $781,845 (+9.94%) Land $72,500 Building $709,345 |
| 2023 | $8,578.00 (+5.15%) Homeowner's exemption | $524,092 (+3%) | $711,156 (+4.36%) Land $72,500 Building $638,656 |
| 2022 | $8,158.00 Homeowner's exemption | $508,827 | $681,464 Land $72,500 Building $608,964 |
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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