Flagler County property record for 945 Stone Lake Dr, Ormond Beach, FL 32174 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2006 |
| Square Footage | 2,910 sqft Living Area |
| Lot Size | 10,803 sqft (0.248 acres) |
| Pool | 1,438 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $513,700 (2006) |
| Tax Bill | $6,497.00 (2024) |
| Primary APN | 03-13-31-5120-2AF02-1130 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,910 sqft Living Area |
| Gross Area | 4,150 sqft Gross Area |
| 1st Floor | 2,910 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,803 sqft (0.248 acres) |
| Driveway | Driveway Brick |
| Driveway Area | 425 sqft Driveway |
| Pool Area | 1,438 sqft Pool |
| Patio Area | 1,245 sqft Patio |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 945 STONE LAKE DR |
|---|---|
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-1487 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PLANTATION BAY SECTION 2A-F UNIT 2 LOT 113 OR 1488 PG 1106 OR 1793/457-MIRZA TRUST OR 2329/377-DC GEORGE |
| Legal Range | 31E |
| Legal Township | 13S |
| Legal Section | 03 |
| Legal Subdivision | PLANTATION BAY |
| Legal Block | 2AF0 |
| Legal Lot Number | 113 |
| Legal Unit | 2 |
| Jurisdiction | FLAGLER FL |
| Minor Civil Division | BUNNELL |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 60207 |
Source: Flagler County records · APN 03-13-31-5120-2AF02-1130
Assessment roll updated December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 945 STONE LAKE DR, ORMOND BEACH, FL 32174-1487 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Jan 02, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LENDING INC |
| Sep 06, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 26, 2006 · Amount on Record |
| Deed Sale | Sep 26, 2006 · Amount on Record |
| Deed Doc Number | 200648769 |
| Deed Book / Page | 1488 / 1106 |
| Last Transfer Date | Oct 05, 2010 |
| Transfer Doc | 0017930457 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 945 STONE LAKE DR, ORMOND BEACH, FL 32174-1487 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 945 STONE LAKE DR, ORMOND BEACH, FL 32174-1487 |
| Document Number | 0030181554 |
|---|---|
| Date | Jan 02, 2026 |
| Book Page | 3018/1554 |
| Instrument | 2026000319 |
| Name | AMERICAN HERITAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 01, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.75% |
| Type Change Date | Jan 01, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 8.75% |
| Max Rate At Change | 13.7% |
| Index | SOFR Average 30-Day |
| Max Rate | 13.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 945 STONE LAKE DR, ORMOND BEACH, FL 32174-1487 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023810690 |
|---|---|
| Date | Sep 06, 2019 |
| Book Page | 2381/0690 |
| Instrument | 2019032714 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
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 | $4,949.00 (-23.83%) Homeowner's exemption Widower's exemption | $397,348 (+5.99%) | $608,556 (+1.91%) Land $68,500 Building $540,056 |
| 2024 | $6,497.00 (+1.88%) | ||
| 2023 | $6,377.00 (+4.44%) Homeowner's exemption Widower's exemption | $374,903 (+3%) | $597,134 (+3.93%) Land $68,500 Building $528,634 |
| 2022 | $6,106.00 Homeowner's exemption Widower's exemption | $363,983 | $574,552 Land $68,500 Building $506,052 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 57% of the US · above 28% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 735 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.
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