1090 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1090 Lambert Ave, Flagler Beach, FL 32136 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,121 sqft · built 1978
Lot Size	0.422 acres (18,382 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Nov 2020)
Tax Bill	$8,860 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`07-11-31-7095-00000-0160`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7095-00000-0160`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,121 sqft Living Area
Gross Area	3,602 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,382 sqft (0.422 acres)
Driveway	Concrete Driveway
Driveway Area	780 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1090 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAMBERT AVENUE SUBD LOT 16 OR 66 PG 1 OR 100 PG 541 OR 300 PG 087 OR 347 PG 302 OR 536 PG 1778 OR 681 PG 1516-DOROTHY TUCK TRUST OR 1030 PG 1519 OR 2010/1901 OR 2206/20
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	LAMBERT AVENUE SUBD
Legal Lot Number	16
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3023
Census Tract	60301

Owner

Source: Flagler County records · APN 07-11-31-7095-00000-0160

Assessment roll updated December 8, 2025 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	1090 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 09, 2025	Deed of Trust, Mortgage · Conventional Mortgage MCM CAPITAL SOLUTIONS
Nov 06, 2020	Warranty Deed, Transfer · Conventional Mortgage ROSEANNE SGARLATO
May 17, 2017	Quit Claim Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 06, 2020 · Amount on Record
Deed Sale	Nov 06, 2020 · Amount on Record
Prior Sale	Nov 06, 2020 · Amount on Record
Deed Document Number	202045992
Deed Book / Page	2493 / 432
Prior Transfer Date	May 10, 2017
Prior Transfer Doc	0022060020
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1090 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014

Mortgage

Document Number	0030111729
Date	Dec 09, 2025
Book Page	3011/1729
Instrument	2025049323

Lender

Name	MCM CAPITAL SOLUTIONS
Type	Non-Lending Institution
Address	HIALEAH, FL 33016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2055

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 06, 2020
Property Address	1090 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014
Document Number	0024930432
Book / Page	002493 / 000432
Instrument Date	Nov 06, 2020
Instrument	45992
Transaction Type	Transfer
Record Updated	Nov 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 LAMBERT AVE FLAGLER BEACH FL 321363014, FLAGLER BEACH, FL 32136-3014

Mortgage

Document Number	24930434
Date	Nov 06, 2020
Book Page	002493/000434
Instrument	45993

Lender

Name	ROSEANNE SGARLATO
Address	1060 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Nov 05, 2022

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	May 17, 2017
Property Address	1090 LAMBERT AVE, FLAGLER BEACH, FL 32136-3014
Document Number	0022060020
Book / Page	002206 / 000020
Instrument Date	May 10, 2017
Instrument	17493
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	MERCURY TITLE COMPANY, MERCURY TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 LAKESIDE RD NEWBURGH NY 125501510, NEWBURGH, NY 12550-1510

Mortgage

Document Number	22060022
Date	May 17, 2017
Book Page	002206/000022
Instrument	17494

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,860.00 (+2.81%) Homeowner's exemption	$497,264 (+5.89%)	$538,309 (+11.7%) Land $299,700 Building $238,609
2024	$8,618.00 (+2.49%)
2023	$8,409.00 (+2.5%) Homeowner's exemption	$469,609 (+3%)	$481,921 (-7.54%) Land $267,300 Building $214,621
2022	$8,204.00 Homeowner's exemption	$455,931	$521,200 Land $267,300 Building $253,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350603013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 257 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Sep 2017 · 18 claims Hurricane Matthew, Oct 2016 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 43 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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5G and 4G LTE

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