92 Bay Lake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 92 Bay Lake Dr, Ormond Beach, FL 32174 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,060 sqft · built 2001
Lot Size	0.271 acres (11,848 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 2020)
Tax Bill	$428 (2024)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-13-31-5120-1C020-0920`

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-1C020-0920`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,060 sqft Heated Area
Gross Area	2,744 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,848 sqft (0.271 acres)
Driveway	Driveway
Driveway Area	256 sqft
Pool Type	Enclosed Pool
Pool Area	388 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	92 BAY LAKE DR
City	ORMOND BEACH
State	FL
Zip	32174-9263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLANTATION BAY PHASE 1C-F UNIT 2 LOT 92 OR 765 PG 1033 OR 1964/413-414-ACM & DC OR 2465/949
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Phase	1C
Legal Lot Number	92
Legal Unit	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3018
Census Tract	60207

Owner

Source: Flagler County records · APN 03-13-31-5120-1C020-0920

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	92 BAY LAKE DR, ORMOND BEACH, FL 32174-9263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 05, 2020 · Amount on Record
Deed Sale	Aug 05, 2020 · Amount on Record
Prior Sale	Aug 29, 2001 · Amount on Record
Deed Document Number	2020030001
Deed Book / Page	2464 / 949
Record Updated	Jun 08, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 05, 2020
Property Address	92 BAY LAKE DR, ORMOND BEACH, FL 32174-9263
Document Number	0024640949
Book / Page	2464 / 949
Map Reference	MB 31 PG 25
Instrument Date	Jul 31, 2020
Instrument	2020030001
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3600 S OCEAN SHORE BLVD APT 116, 3600, FLAGLER BEACH, FL 32136-4156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 BAY LAKE DR, ORMOND BEACH, FL 32174-9263

Mortgage

Document Number	0002464950
Date	Aug 05, 2020
Instrument	2464/950

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

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		$308,078 (+5.99%)	$391,081 (+1.82%) Land $60,000 Building $331,081
2024	$428.00
2023	$428.00 (+42.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$290,676 (+3%)	$384,089 (+10.26%) Land $60,000 Building $324,089
2022	$300.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$282,210	$348,346 Land $60,000 Building $288,346

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 19% of Florida
Wildfire Likelihood	About 1 in 1,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.