109 Bay Lake Drive, FL
Stellar MLS
1 / 1

$639,900

109 Bay Lake Drive

Ormond Beach, FL 32174

Listing updated: September 2, 2026 at 3:53 PM ET

Active
Stellar MLSListing courtesy of Venture Development Realty,Inc · Deborah Spelman · MLS #FC321156 · Active · 386-366-0091
3
Beds
2
Baths
2,048
Sq Ft
0.38
Acres
2003
Built
Private poolFireplace$312/sqft360° tour
Single Family Residence

Property type

2003

Year built

16,509 sqft

Lot size

$312

Price / sq ft

$121/mo

HOA dues

0

Days on market

2

Garage spaces

X

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

Principal & interest$3,236
Property taxes$433
Home insurance (est.)$293
HOA dues$121

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

  1. Status: Active
    Sep 2, 2026
  2. Listed$639,900
    Sep 2, 2026
  3. 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

RoomLevelDimensions
Primary BedroomFirst16x13
Bedroom 2First11x11
Bedroom 3First11x10
Living RoomFirst14x14
Dining RoomFirst10x10
Family RoomFirst17x14
KitchenFirst12x12

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 riskFEMA Zone XPanel 12035C0245E

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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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