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965 Stone Lake Dr, Ormond Beach, FL 32174 Property Records

Flagler County property record for 965 Stone Lake Dr, Ormond Beach, FL 32174 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms3 Baths
Year BuiltBuilt 2006
Square Footage2,698 sqft Living Area
Lot Size14,244 sqft (0.327 acres)
Pool312 sqft
OccupancyOwner Occupied
Last Sale$430,700 (2006)
Tax Bill$5,017.00 (2025)

Property Details

APN / Parcel Number

Primary APN03-13-31-5120-2AF02-1060

Interior

Full Baths3 Baths
Building Area2,698 sqft Living Area
Gross Area4,008 sqft Gross Area
1st Floor2,698 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialConcrete Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialAsphalt Roof
Lot Area14,244 sqft (0.327 acres)
DrivewayDriveway Concrete
Driveway Area720 sqft Driveway
Pool Area312 sqft Pool

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address965 STONE LAKE DR
CityORMOND BEACH
StateFL
Zip32174-1487
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPLANTATION BAY SECTION 2A-F UNIT 2 LOT 106 OR 1387/820 OR 2187/1652 OR 2460/307-RDMAN HIGGINS TRUST
Legal Range31E
Legal Township13S
Legal Section03
Legal SubdivisionPLANTATION BAY
Legal Block2AF0
Legal Lot Number106
Legal Unit2
JurisdictionFLAGLER FL
Minor Civil DivisionBUNNELL
Census Blockgroup3
Census Block3006
Census Tract60207

Owner

Source: Flagler County records · APN 03-13-31-5120-2AF02-1060

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 RecordCompany Name on File
Mailing Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487
OccupancyOwner Occupied
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 22, 2023Deed of Trust, Mortgage · Line of Credit
JANIS M HIGGINS ETAL
Jul 21, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Feb 17, 2017Warranty Deed, Transfer
SOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS CO LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 31, 2006 · Amount on Record
Deed SaleJan 31, 2006 · Amount on Record
Deed Doc Number20065293
Deed Book / Page1387 / 820
Last Transfer DateFeb 21, 2020
Transfer Doc0024600307
Record RefreshedSep 20, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 20, 2026
Property Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487
Document Number0000029122
Book / Page3072 / 166
Instrument DateJul 10, 2026
Instrument202629122
Transaction TypeTransfer
Record UpdatedAug 03, 2026
Title CompanySOUTHERN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$501,970.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487

Mortgage

Document Number0000029123,
DateJul 20, 2026
Book Page3072/167
Instrument202629123
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487
Transaction TypeMortgage
Record UpdatedOct 12, 2023
Title CompanyACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487

Mortgage

Document Number0028131849
DateSep 22, 2023
Book Page2813/1849
Instrument2023041538
Lender
NameJANIS M HIGGINS ETAL
TypePrivate Party
AddressPO BOX 1290, WHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueAug 04, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateJul 21, 2020
Property Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487
Document Number0024600307
Book / Page002460 / 000307
Instrument DateFeb 21, 2020
Instrument27645
Transaction TypeTransfer
Record UpdatedAug 07, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address965 STONE LAKE DR ORMOND BEACH FL 321741487, ORMOND BEACH, FL 32174-1487

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateFeb 17, 2017
Property Address965 STONE LAKE DR, ORMOND BEACH, FL 32174-1487
Document Number0021871652
Book / Page002187 / 001652
Instrument DateFeb 09, 2017
Instrument6029
Transaction TypeTransfer
Record UpdatedMay 16, 2017
Title CompanySOUTHERN TITLE HOLDINGS COMPANY LLC, SOUTHERN TITLE HOLDINGS CO LLC

Transaction

AmountAmount Recorded
Tax$3,465.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address801 WESTLAKE DR ORMOND BEACH FL 321741476, ORMOND BEACH, FL 32174-1476

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
Unified School DistrictFlagler 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,017.00 (-22.18%) Homeowner's exemption$397,183 (+5.99%)$533,961 (+1.72%) Land $68,500 Building $465,461
2023$6,447.00 (+5.5%) Homeowner's exemption$374,748 (+3%)$524,951 (+3.92%) Land $68,500 Building $456,451
2022$6,111.00 Homeowner's exemption$363,833$505,165 Land $68,500 Building $436,665

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 485 per year
ExposureDirect
burnable vegetation at the parcel

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

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