107 Oak St, Flagler Beach, FL 32136 Property Records

Flagler County property record for 107 Oak St, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,222 sqft · built 1981
Lot Size	0.355 acres (15,481 sqft)
Owner	2 Company Names on Record
Last Sale	$300,900 (Mar 2021)
Tax Bill	$6,667 (2025)
Deeds & Mortgages	Apr 2026 Sale Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`12-12-31-4950-00040-0040`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4950-00040-0040`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,222 sqft Living Area
Gross Area	1,889 sqft
1st Floor Area	1,222 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1996
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,481 sqft (0.355 acres)
Driveway	Concrete Driveway
Driveway Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 OAK ST
City	FLAGLER BEACH
State	FL
Zip	32136-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HARBOR SUBD BLOCK 4 LOTS 4 & 5, OR 119 PG 582;OR 182 PG 101 OR 1473 PG 1558-DC OR 1473 PG 1560 OR 2137/689 OR 2193/1820OR 2845/1655-BLA WITH SNA
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	PALM HARBOR SUBD
Legal Block	4
Legal Lot Number	4
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1004
Census Tract	60304

Owner

Source: Flagler County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	260 OLD HARD RD, FLEMING ISLAND, FL 32003-7910
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Mar 31, 2021	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 24, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 21, 2017	Grant Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	202117220
Deed Book / Page	2545 / 365
Last Transfer Date	Mar 12, 2026
Transfer Doc	0000013714
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 2, 2026
Property Address	107 OAK ST, FLAGLER BEACH, FL 32136-3416
Document Number	0000013714
Book / Page	3043 / 1072
Instrument Date	Mar 12, 2026
Instrument	202613714
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	260 OLD HARD RD, FLEMING ISLAND, FL 32003-7910

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 31, 2021
Property Address	107 OAK ST, FLAGLER BEACH, FL 32136-3416
Document Number	0025450365
Book / Page	2545 / 365
Map Reference	MB 5 PG 21
Instrument Date	Mar 26, 2021
Instrument	2021017220
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,106.30
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1061, FLAGLER BEACH, FL 32136-1061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 OAK ST, FLAGLER BEACH, FL 32136-3416

Mortgage

Document Number	0002545367
Date	Mar 31, 2021
Instrument	2545/367

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	107 OAK ST, FLAGLER BEACH, FL 32136-3416
Document Number	0024590086
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 OAK ST FLAGLER BEACH FL 321363416, FLAGLER BEACH, FL 32136-3416

Mortgage

Document Number	0024590086
Date	Jul 16, 2020
Book Page	002459/000086
Instrument	27042

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jul 15, 2047

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 21, 2017
Property Address	107 OAK ST, FLAGLER BEACH, FL 32136-3416
Document Number	0021931820
Book / Page	002193 / 001820
Instrument Date	Mar 14, 2017
Instrument	9831
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	BUYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 OAK ST FLAGLER BEACH FL 321363416, FLAGLER BEACH, FL 32136-3416

Mortgage

Document Number	21931822
Date	Mar 21, 2017
Book Page	002193/001822
Instrument	9832

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2047

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Flagler Beach City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,667.00 (-10.83%)	$341,284 (+18.74%) Land $178,000 Building $163,284	$341,284 (+18.74%) Land $178,000 Building $163,284
2024	$7,477.00 (+31.92%)
2023	$5,668.00 (+7.59%)	$287,424 (+8.39%) Land $85,000 Building $202,424	$287,424 (+8.39%) Land $85,000 Building $202,424
2022	$5,268.00	$265,184 Land $82,500 Building $182,684	$265,184 Land $82,500 Building $182,684

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLAGLER BEACH WTP serves 4,830 people · EPA ID FL2180349
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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