657 Southlake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 657 Southlake Dr, Ormond Beach, FL 32174 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,624 sqft · built 2015
Lot Size	0.242 acres (10,585 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Sep 2025)
Tax Bill	$8,899 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-13-31-5120-2AF05-0850`

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-2AF05-0850`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,624 sqft Heated Area
Gross Area	3,703 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,585 sqft (0.242 acres)
Driveway	Driveway
Driveway Area	940 sqft
Pool Type	Enclosed Pool
Pool Area	613 sqft
Deck Area	767 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	657 SOUTHLAKE DR
City	ORMOND BEACH
State	FL
Zip	32174-1515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLANTATION BAY SECTION 2A-F UNIT 5 MB 37 PG 1 LOT 85 OR 2071/468
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Lot Number	85
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 03-13-31-5120-2AF05-0850

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
Co-owner	Verified Secondary Owner
Mailing Address	657 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2025 · Amount on Record
Deed Sale	Sep 05, 2025 · Amount on Record
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	2025036833
Deed Book / Page	2989 / 543
Record Updated	Jun 08, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 27, 2021
Property Address	657 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515
Document Number	0026000234
Book / Page	2600 / 234
Map Reference	MB 37 PG 1-3
Instrument Date	Aug 24, 2021
Instrument	2021047307
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 RIVERFRONT DR # DRA02, 200, PALM COAST, FL 32137-1544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 SOUTHLAKE DR, ORMOND BEACH, FL 32174-1515

Mortgage

Document Number	2600235
Date	Aug 27, 2021
Instrument	2600/235

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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	$8,899.00 (-16.82%) Homeowner's exemption	$672,780 (+6.42%)	$683,836 (+8.16%) Land $82,000 Building $601,836
2023	$10,699.00 (+6.32%)	$632,220 (+4.76%) Land $82,000 Building $550,220	$632,220 (+4.76%) Land $82,000 Building $550,220
2022	$10,063.00	$603,514 Land $82,000 Building $521,514	$603,514 Land $82,000 Building $521,514

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 140 individual NFIP policies nearby
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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 227 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.