
$639,900
109 Bay Lake Drive
Ormond Beach, FL 32174
Listing updated: September 2, 2026 at 3:53 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to this beautifully upgraded 3/2 ICI Tiffany model in desirable Ormond Beach, where refined indoor comfort meets exceptional Florida outdoor living. From the moment you arrive, the impressive curb appeal sets the tone, featuring elegant stone accents on the front of the home, plantation shutters, professionally enhanced landscaping with decorative lava rock, and a Shark-coated driveway and garage floor for both style and durability. Step inside to a light, upgraded interior that has been freshly painted throughout and features tile flooring across the entire home for effortless Florida living. New LED lighting adds a crisp, modern touch, while plantation shutters provide timeless elegance and privacy. The gourmet kitchen has been thoughtfully refreshed with new granite countertops, a new sink and faucet, creating a beautiful and functional space for everyday living and entertaining. The spacious primary suite offers a private retreat, complete with custom closets, an updated primary bathroom, and sliding glass doors leading directly to the lanai. The guest bedroom offers exceptional flexibility with a Murphy bed and wraparound desk, making it ideal for guests, a home office, or both. The true showstopper is the resort-style backyard oasis. The approximately two-year-old saltwater, heated pool features LED lighting and Wi-Fi capability, creating the perfect setting for relaxing swims, evening entertaining, or enjoying Florida's year-round outdoor lifestyle. A screened enclosure and paver patio provide an inviting extension of the living space. The expansive lanai is designed for entertaining, featuring a fully equipped outdoor kitchen with granite countertops, Weber grill, and mini refrigerator. New ceiling fans and LED lighting enhance the lanai's comfort and ambiance. A motorized garage screen adds even more versatility to the garage and outdoor living areas. Located in Flagler County with NO CDD fees, this exceptional home combines thoughtful upgrades, stylish finishes, and a truly spectacular outdoor living experience. Beautifully maintained and move-in ready, this is Florida living at its finest. The roof is 2years old, and a 2021 hot water tank! Please note the hot tub is negotiable! Come & enjoy the 45 holes of golf, pickleball, tennis, 2 pools, gym & spa! Brand new clubhouse & tiki-bar! Buyers of this property will enjoy a substantial discount on the club initiation fees, when they join within 30 days of closing!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history0 days on market
- Status: ActiveSep 2, 2026
- Listed$639,900Sep 2, 2026
- Price increased$639,900
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 0
- Subdivision
- Plantation Bay Ph 01a Unit 01-6
- County
- Flagler
- Year built
- 2003
- Living area
- 2,048 sq ft
- Price/sq ft
- $312
- Building area
- 2,816 sq ft (Appraiser)
- Lot size
- 16,509 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- X (12035C0245E)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $5,196 (2025)
- Parcel #
- 03-13-31-5120-1C020-1090
- Zoning
- PUD
- MLS #
- FC321156
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile
- Appliances
- Built-In Oven, Dishwasher, Electric Water Heater, Microwave, Refrigerator
- Interior features
- Ceiling Fans(s), Crown Molding, Primary Bedroom Main Floor, Split Bedroom, Walk-In Closet(s), Window Treatments
- Laundry
- Electric Dryer Hookup, Inside, Washer Hookup
- Stories / Levels
- One
- Direction faces
- West
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central, Electric, Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $363 / Quarterly
- Monthly HOA
- $121/mo
- Total monthly fees
- $121/mo
- Total annual fees
- $1,452
- HOA name
- Margie Hall
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 6 Months
- Listing terms
- Cash, Conventional, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Minimum of 6 months & 1 day
Exterior & Construction
- Exterior features
- Lighting, Outdoor Kitchen
- Construction materials
- Block, Stone
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 16x13 |
| Bedroom 2 | First | 11x11 |
| Bedroom 3 | First | 11x10 |
| Living Room | First | 14x14 |
| Dining Room | First | 10x10 |
| Family Room | First | 17x14 |
| Kitchen | First | 12x12 |
Listing Details
- Listing date
- 2026-09-02
- On market date
- 2026-09-02
- Original list price
- $639,900
- Occupant type
- Owner
- MLS area
- 32174 - Ormond Beach
- Listing AOR
- Flagler
- Status changed
- 2026-09-02
- Tax legal description
- PLANTATION BAY PHASE 1C-F UNIT 2 LOT 109 OR 938 PG 267
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
I-95 to Exit 278, West on Old Dixie Hwy. L into Plantation Bay, L on Bay Lake Dr. Home is on the left side
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of September 2, 2026 at 3:53 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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