Flagler County property record for 109 Lambert Ave, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,817 sqft · built 1940 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $65,000 (Jan 1991) |
| Tax Bill | $3,993 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 11-12-31-5326-00000-0010 |
| Primary APN | 11-12-31-5326-00000-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,817 sqft Heated Area |
| Gross Area | 1,976 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Type | Detached |
| Garage Area | 612 sqft |
| Driveway | Driveway |
| Driveway Area | 1,700 sqft |
| Patio Area | 253 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 109 LAMBERT AVE |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-3219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER OAKS ADDITION LOTS 1 & 2 & 3 OR 443 PG 834 OR 528 PG 685 OR 589 PG 787 OR 624 PG 463 OR 686 PG 1446-CD OR 687 PG 1084 O |
| Legal Range | 31E |
| Legal Township | 12S |
| Legal Section | 11 |
| Legal Subdivision | RIVER OAKS ADD |
| Legal Lot Number | 1-3 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 60301 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 242, FLAGLER BEACH, FL 32136-0242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1991 · Amount on Record |
| Deed Sale | Jan 1, 1991 · Amount on Record |
| Deed Document Number | 0000443834 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 109 LAMBERT AVE, FLAGLER BEACH, FL 32136-3219 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 109 LAMBERT AVE, FLAGLER BEACH, FL 32136-3219 |
| Document Number | 0030220361 |
|---|---|
| Date | Jan 13, 2026 |
| Book Page | 3022/361 |
| Instrument | 2026001959 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,993.00 (+12.19%) Homeowner's exemption Widower's exemption | $274,536 (+1.93%) | $497,294 (+2.64%) Land $387,813 Building $109,481 |
| 2023 | $3,559.00 (+8.77%) Homeowner's exemption Widower's exemption | $269,337 (+16.44%) | $484,526 (+19.47%) Land $387,813 Building $96,713 |
| 2022 | $3,272.00 Homeowner's exemption Widower's exemption | $231,307 | $405,567 Land $312,375 Building $93,192 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 3.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 257 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 257 in force |
| Nearby Flood Claims | 38 (2016–2024) |
| Claims Outside the SFHA | 2 of 38 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 160 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 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures