120 Oak Ln, Flagler Beach, FL 32136 Property Records

Flagler County property record for 120 Oak Ln, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,276 sqft · built 1982
Lot Size	0.104 acres (4,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jul 2026)
Tax Bill	$4,987 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-12-31-5916-00000-0260`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5916-00000-0260`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	1,456 sqft
1st Floor Area	1,276 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2005
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)
Driveway	Concrete Driveway
Driveway Area	288 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 OAK LN
City	FLAGLER BEACH
State	FL
Zip	32136-3474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE VILLAGE - PHASE II LOT 26 OR 192 PG 29, 213 OR 214 PG 338 OR 226 PG 102 OR 286 PG 618 OR 522 PG 1827 OR 562 PG 1226-1227 OR 1852/1131 OR 2199 /979 OR 2345/586 OR 2345/587- DC
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	THE VILLAGE
Legal Phase	2
Legal Lot Number	26
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1023
Census Tract	60304

Owner

Source: Flagler County records, as of July 30, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 175, FLAGLER BEACH, FL 32136-0175
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN GROUP MORTGAGE
Apr 1, 2019	Warranty Deed, Transfer TITLE CHAIN INC
Apr 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2026 · Amount on Record
Deed Sale	Jul 17, 2026 · Amount on Record
Prior Sale	Apr 1, 2019 · Amount on Record
Deed Document Number	202629067
Deed Book / Page	3071 / 1923
Prior Transfer Date	Apr 15, 2017
Prior Transfer Doc	0021990979
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 17, 2026
Property Address	120 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0000029067
Book / Page	3071 / 1923
Instrument Date	Jul 7, 2026
Instrument	202629067
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	TWO RIVERS TITLE COMPANY LLC, TWO RIVERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029068,
Date	Jul 17, 2026
Instrument	202629068

Lender

Name	AMERICAN GROUP MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 1, 2019
Property Address	120 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0023450586
Book / Page	002345 / 000586
Instrument Date	Feb 21, 2019
Instrument	11159
Transaction Type	Transfer
Record Updated	Apr 8, 2019
Title Company	TITLE CHAIN INC

Transaction

Amount	Amount Recorded
Tax	$1,239.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19 HAMPTON HARBOR RD HAMPTON BAYS NY 119463400, HAMPTON BAYS, NY 11946-3400

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 18, 2017
Property Address	120 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0021990979
Book / Page	002199 / 000979
Instrument Date	Apr 15, 2017
Instrument	13488
Transaction Type	Transfer
Record Updated	Jun 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3368 W STATE ROAD 238 LAKE BUTLER FL 320545792, LAKE BUTLER, FL 32054-5792

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	$4,987.00 (-14.49%)	$255,286 (+38.66%) Land $52,500 Building $202,786	$255,286 (+38.66%) Land $52,500 Building $202,786
2024	$5,832.00 (+109.86%)
2023	$2,779.00 (-18.41%) Homeowner's exemption	$184,105 (+1.39%) Land $52,500 Building $131,605	$184,105 (+1.39%) Land $52,500 Building $131,605
2022	$3,406.00	$181,579 Land $52,500 Building $129,079	$181,579 Land $52,500 Building $129,079

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 minimal risk
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 52% of the US · lower than 77% 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.

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 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.

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