138 Oak Ln, Flagler Beach, FL 32136 Property Records

Flagler County property record for 138 Oak Ln, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,176 sqft · built 1986
Lot Size	0.104 acres (4,530 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Feb 2025)
Tax Bill	$1,491 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-12-31-5916-00000-0230`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5916-00000-0230`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	1,866 sqft
1st Floor Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,530 sqft (0.104 acres)
Driveway	Concrete Driveway
Driveway Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	138 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 23 OR 214 PG 320 OR 262 PG 382 OR 276 PG 586 OR 350 PG 238 OR 383 PG 924 OR 383 PG 925 OR 1950/1087 OR 2432/1188
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	THE VILLAGE
Legal Phase	2
Legal Lot Number	23
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1023
Census Tract	60304

Owner

138 Oak Ln is owned and occupied by an individual who bought it in February 2025.

Source: Flagler County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	138 OAK LN, FLAGLER BEACH, FL 32136-3474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 1, 2020	Warranty Deed, Transfer · VA Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2025 · Amount on File
Deed Sale	Feb 14, 2025 · Amount on File
Prior Sale	Apr 1, 2020 · Amount on File
Deed Document Number	20256280
Deed Book / Page	2936 / 1501
Prior Transfer Date	Jun 17, 2024
Prior Transfer Doc	0028781088
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	138 OAK LN, FLAGLER BEACH, FL 32136-3474
Transaction Type	Mortgage
Record Updated	Mar 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 OAK LN, FLAGLER BEACH, FL 32136-3474

Mortgage

Document Number	0025280347
Date	Feb 17, 2021
Book Page	2528/347
Instrument	2021008386

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 1, 2020
Property Address	138 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0024321188
Book / Page	2432 / 1188
Map Reference	MB 26 PG 52&53
Instrument Date	Mar 27, 2020
Instrument	2020013102
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OLDE FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,162.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1997, FLAGLER BEACH, FL 32136-1997

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 OAK LN, FLAGLER BEACH, FL 32136-3474

Mortgage

Document Number	0024321190
Date	Apr 1, 2020
Instrument	2432/1190

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

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		$180,201	$263,774 Land $52,500 Building $211,274
2024	$1,491.00 (+3.4%)
2023	$1,442.00 (+3.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$170,021 (+3%)	$203,938 (+4.17%) Land $52,500 Building $151,438
2022	$1,395.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$165,069	$195,765 Land $52,500 Building $143,265

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

Flood

FEMA maps place 138 Oak Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 138 Oak Ln is moderate, ranking above 52% of the US, with a 0.1% annual chance of 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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