Flagler County property record for 821 Creekwood Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,104 sqft · built 2018 |
| Lot Size | 0.164 acres (7,187 sqft) |
| Owner | Individual Name on File |
| Last Sale | $351,700 (Oct 2018) |
| Tax Bill | $4,686 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-13-31-5120-2AF07-0100 |
| Primary APN | 16-13-31-5120-2AF07-0100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,104 sqft Heated Area |
| Gross Area | 2,980 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,187 sqft (0.164 acres) |
| Driveway | Driveway |
| Driveway Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 821 CREEKWOOD DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | PLANTATION BAY SEC 2AF, UNIT 7 MB 38 PG 68 LOT 10 OR 2231/742 OR 2309/1458 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 16 |
| Legal Subdivision | PLANTATION BAY |
| Legal Lot Number | 10 |
| Legal Unit | 7 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
821 Creekwood Dr is owned and occupied by an individual who bought it in October 2018.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Sep 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY CAPITAL MORTGAGE INC |
| Oct 3, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIS BANK |
| Aug 21, 2018 | Loan Modification, Mortgage · Line of Credit RENASANT BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 3, 2018 · Amount on File |
| Deed Sale | Oct 3, 2018 · Amount on File |
| Deed Document Number | 2018037042 |
| Deed Book / Page | 2309 / 1458 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024130927 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | 2413/0927 |
| Instrument | 2020002251 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Document Number | 0024770324 |
|---|---|
| Date | Sep 16, 2020 |
| Book Page | 2477/324 |
| Instrument | 2020036951 |
| Name | GATEWAY CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT PETERSBURG, FL 33701 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 3, 2018 |
| Property Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Document Number | 0023091458 |
| Book / Page | 2309 / 1458 |
| Map Reference | MB38 PG68-70 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 2018037042 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTEHRN TITLE HOLDING COLLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,461.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2379 BEVILLE RD, 2379, DAYTONA BEACH, FL 32119-8720 |
| Name | Verified Name |
|---|---|
| Address | 821 CRCEKWOOD DR, ORMOND BEACH, FL 32174 |
| Document Number | 2018037043 |
|---|---|
| Date | Oct 3, 2018 |
| Instrument | 2018037043 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 21, 2018 |
| Property Address | 821 CREEKWOOD DR, ORMOND BEACH, FL 32174-1435 |
| Document Number | 0023001343 |
| Book / Page | 002300 / 001343 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 31472 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2379 BEVILLE RD DAYTONA BEACH FL 321198720, DAYTONA BEACH, FL 32119-8720 |
| Document Number | 23001343 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 002300/001343 |
| Instrument | 31472 |
| Name | RENASANT BK |
|---|---|
| Type | Bank |
| Address | 941 W MORSE BLVD # 100, WINTER PARK, FL 32789-3781 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 821 Creekwood Dr was $4,686 with a homeowner's exemption.
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,686.00 Homeowner's exemption | $373,704 | $472,351 Land $90,500 Building $381,851 |
| 2023 | $6,295.00 (+5.36%) Homeowner's exemption | $346,849 (+3%) | $422,036 (+2.54%) Land $90,500 Building $331,536 |
| 2022 | $5,975.00 Homeowner's exemption | $336,747 | $411,581 Land $90,500 Building $321,081 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 821 Creekwood Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
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.
Wildfire risk around 821 Creekwood Dr is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FGUA - PLANTATION BAY WTP private · serves 3,522 people · EPA ID FL2184251 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 5 ppb (2025) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 227 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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