838 Creekwood Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 838 Creekwood Dr, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,404 sqft · built 2018
Lot Size	0.197 acres (8,581 sqft)
Owner	2 Company Names on Record
Last Sale	$800,000 (Oct 2022)
Tax Bill	$7,772 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16-13-31-5120-2AF07-0510`

Property Details

APN / Parcel Number

Primary APN	`16-13-31-5120-2AF07-0510`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,404 sqft Living Area
Gross Area	5,175 sqft
1st Floor Area	2,404 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,581 sqft (0.197 acres)
Driveway	Brick Driveway
Driveway Area	729 sqft
Pool Area	1,207 sqft
Deck Area	787 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	838 CREEKWOOD DR
City	ORMOND BEACH
State	FL
Zip	32174-1445
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 51 OR 2231/742 OR 2326/1120 OR 2475/195-RDMAN LAUREN E GUSTAFSON
Legal Range	31E
Legal Township	13S
Legal Section	16
Legal Subdivision	PLANTATION BAY
Legal Block	2AF0
Legal Lot Number	51
Legal Unit	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3006
Census Tract	60207

Owner

Source: Flagler County records, as of March 6, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	9 DOVE LN, BAY SHORE, NY 11706-7620
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 25, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 26, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERIS BANK
Aug 21, 2018	Loan Modification, Mortgage · Line of Credit RENASANT BK
Jul 23, 2018	Loan Modification, Mortgage RENASANT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2022 · Amount on Record
Deed Sale	Oct 25, 2022 · Amount on Record
Prior Sale	Dec 26, 2018 · Amount on Record
Deed Document Number	202251462
Deed Book / Page	2730 / 905
Prior Transfer Date	Sep 3, 2020
Prior Transfer Doc	0024750195
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
Transaction Type	Mortgage
Record Updated	Mar 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 DOVE LN, BAY SHORE, NY 11706-7620

Mortgage

Document Number	0027631803
Date	Mar 16, 2023
Book Page	2763/1803
Instrument	2023010472

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	Other
Margin	3
Max Rate	9.75%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 25, 2022
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
Document Number	0027300905
Book / Page	2730 / 905
Map Reference	MB 38 PG 68
Instrument Date	Oct 19, 2022
Instrument	2022051462
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3026 CHIMNEY COVE CIR, BROWNSBORO, AL 35741-9631

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	9 DOVE LN # BAY, BAY, BAY SHORE, NY 11706-7620

Mortgage

Document Number	0027300907
Date	Oct 25, 2022
Book Page	2730/907
Instrument	2022051463

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	Other
Margin	3
Max Rate	9.75%

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 9, 2020
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
Document Number	0024750195
Book / Page	002475 / 000195
Instrument Date	Sep 3, 2020
Instrument	35791
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	118 SADDLEBROOK PATH SOUTHINGTON CT 064894422, SOUTHINGTON, CT 06489-4422

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 26, 2018
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
Document Number	0023261120
Book / Page	2326 / 1120
Map Reference	MB 38 PG 68-70
Instrument Date	Dec 21, 2018
Instrument	2018047719
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TITLE HOLDING CO LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,440.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2379 BEVILLE RD, 2379, DAYTONA BEACH, FL 32119-8720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445

Mortgage

Document Number	2018047720
Date	Dec 26, 2018
Instrument	2018047720

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Recording Date	Aug 21, 2018
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
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

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2379 BEVILLE RD DAYTONA BEACH FL 321198720, DAYTONA BEACH, FL 32119-8720

Mortgage

Document Number	23001343
Date	Aug 21, 2018
Book Page	002300/001343
Instrument	31472

Lender

Name	RENASANT BK
Type	Bank
Address	941 W MORSE BLVD # 100, WINTER PARK, FL 32789-3781

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Recording Date	Jul 23, 2018
Property Address	838 CREEKWOOD DR, ORMOND BEACH, FL 32174-1445
Document Number	0022940936
Book / Page	002294 / 000936
Instrument Date	Jul 17, 2018
Instrument	27204
Transaction Type	Mortgage
Record Updated	Aug 10, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2379 BEVILLE RD DAYTONA BEACH FL 321198720, DAYTONA BEACH, FL 32119-8720

Mortgage

Document Number	22940936
Date	Jul 23, 2018
Book Page	002294/000936
Instrument	27204

Lender

Name	RENASANT BK
Type	Bank
Address	941 W MORSE BLVD # 100, WINTER PARK, FL 32789-3781

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,772.00 (-19.89%) Homeowner's exemption	$592,743 (+6.82%)	$604,279 (+8.9%) Land $99,000 Building $505,279
2024	$9,702.00 (-3.46%)
2023	$10,050.00 (+45.04%)	$554,909 (+42.43%) Land $99,000 Building $455,909	$554,909 (+4.33%) Land $99,000 Building $455,909
2022	$6,929.00 Homeowner's exemption	$389,609	$531,900 Land $99,000 Building $432,900

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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

838 Creekwood Dr, Ormond Beach, FL 32174 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2018: Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Loan Modification, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

July 2018: Loan Modification, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Creekwood Dr

Nearby Streets

Search Property Records by Address or Parcel Number