Flagler County property record for 905 Creekwood Dr, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,505 sqft · built 2018 |
| Lot Size | 0.202 acres (8,799 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,500 (Dec 2018) |
| Tax Bill | $7,791 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-13-31-5120-2AF07-0690 |
| Primary APN | 16-13-31-5120-2AF07-0690 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,505 sqft Living Area |
| Gross Area | 3,518 sqft |
| 1st Floor Area | 2,505 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,799 sqft (0.202 acres) |
| Driveway | Brick Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 905 CREEKWOOD DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1450 |
| 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 69 OR 2231/742 OR 2322/374 |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 16 |
| Legal Subdivision | PLANTATION BAY |
| Legal Block | 2AF0 |
| Legal Lot Number | 69 |
| Legal Unit | 7 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
Source: Flagler County records, as of May 22, 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 Record |
|---|---|
| Mailing Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION |
| Oct 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Dec 3, 2018 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE FIRM |
| Aug 21, 2018 | Loan Modification, Mortgage · Line of Credit RENASANT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2018 · Amount on Record |
| Deed Sale | Dec 3, 2018 · Amount on Record |
| Prior Sale | Sep 1, 2017 · Amount on Record |
| Deed Document Number | 201844935 |
| Deed Book / Page | 2322 / 374 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 13, 2026 |
| Property Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| Document Number | 0000019529 |
| Book / Page | 3054 / 1160 |
| Instrument Date | May 5, 2026 |
| Instrument | 202619529 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| Document Number | 0000019529, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 3054/1160 |
| Instrument | 202619529 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| Document Number | 0023881854 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 227 POND RD CORAM NY 117273747, CORAM, NY 11727-3747 |
| Document Number | 0023881854 |
|---|---|
| Date | Oct 4, 2019 |
| Book Page | 002388/001854 |
| Instrument | 36883 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 3, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 3, 2018 |
| Property Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| Document Number | 0023220374 |
| Book / Page | 002322 / 000374 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 44935 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 14, 2018 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HOLDING CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,873.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 905 CREEKWOOD DR ORMOND BEACH FL 321741450, ORMOND BEACH, FL 32174-1450 |
| Document Number | 23220375 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 002322/000375 |
| Instrument | 44936 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 21, 2018 |
| Property Address | 905 CREEKWOOD DR, ORMOND BEACH, FL 32174-1450 |
| 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 Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County assessment roll, as of December 8, 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 | $7,791.00 (-19.85%) Homeowner's exemption | $594,152 (+19.76%) | $613,113 (+23.58%) Land $103,000 Building $510,113 |
| 2024 | $9,721.00 (+12.6%) | ||
| 2023 | $8,633.00 (+2.63%) Homeowner's exemption | $496,124 (+2.54%) Land $103,000 Building $393,124 | $496,124 (+2.54%) Land $103,000 Building $393,124 |
| 2022 | $8,412.00 | $483,846 Land $103,000 Building $380,846 | $483,846 Land $103,000 Building $380,846 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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