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

Flagler County property record for 94 Bay Lake Dr, Ormond Beach, FL 32174 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2014
Square Footage	2,014 sqft Living Area
Lot Size	12,502 sqft (0.287 acres)
Pool	291 sqft
Occupancy	Owner Occupied
Last Sale	$250,000 (2009)
Tax Bill	$2,427.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-13-31-5120-1C020-0940`

Interior

Full Baths	2 Baths
Building Area	2,014 sqft Living Area
Gross Area	2,698 sqft Gross Area
1st Floor	2,014 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2014
Exterior Material	Concrete Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	12,502 sqft (0.287 acres)
Driveway	Driveway Concrete
Driveway Area	320 sqft Driveway
Pool Area	291 sqft Pool

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	94 BAY LAKE DR
City	ORMOND BEACH
State	FL
Zip	32174-9264
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PLANTATION BAY PHASE 1C-F UNIT 2 LOT 94 OR 681 PG 397-DOROTHY CATARUZOLO TRUST OR 1706/465- DC FOR DOROTHY OR 1739/56
Legal Range	31E
Legal Township	13S
Legal Section	03
Legal Subdivision	PLANTATION BAY
Legal Phase	1C
Legal Block	1C02
Legal Lot Number	94
Legal Unit	2
Jurisdiction	FLAGLER FL
Minor Civil Division	BUNNELL
Census Blockgroup	3
Census Block	3018
Census Tract	60207

Owner

Source: Flagler County records · APN 03-13-31-5120-1C020-0940

Assessment roll updated December 8, 2025 · Last verified July 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 File
Mailing Address	94 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 02, 2009 · Amount on Record
Deed Sale	Oct 02, 2009 · Amount on Record
Prior Sale	Jan 24, 2000 · Amount on Record
Deed Doc Number	200931980
Deed Book / Page	1739 / 56
Record Refreshed	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 22, 2026
Property Address	94 BAY LAKE DR, ORMOND BEACH, FL 32174-9264
Document Number	0000029682
Book / Page	3073 / 169
Instrument Date	Jun 25, 2026
Instrument	202629682
Transaction Type	Transfer
Record Updated	Aug 05, 2026
Title Company	CLOSING COMPANY LLC, FLORIDA CLOSING COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Calculated from Tax (Full/Partial Unknown)
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 BAY LAKE DR, ORMOND BEACH, FL 32174-9264

Mortgage

Document Number	0000029683,
Date	Jul 22, 2026
Instrument	202629683

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified July 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	$2,427.00 (-12.85%) Homeowner's exemption	$213,261 (+5.99%)	$439,697 (+6.61%) Land $70,000 Building $369,697
2024	$2,785.00 (+2.35%)
2023	$2,721.00 (+9.23%) Homeowner's exemption	$201,213 (+3%)	$412,435 (+9.87%) Land $70,000 Building $342,435
2022	$2,491.00 Homeowner's exemption	$195,352	$375,396 Land $70,000 Building $305,396

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.