15 Saint Charles Pl, Flagler Beach, FL 32136 Property Records

Flagler County property record for 15 Saint Charles Pl, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,093 sqft · built 1998
Lot Size	0.619 acres (26,964 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Sep 2014)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-12-31-1925-00000-0080`

Property Details

APN / Parcel Number

Primary APN	`37-12-31-1925-00000-0080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	2,093 sqft Heated Area
Gross Area	2,774 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,964 sqft (0.619 acres)
Driveway	Driveway
Driveway Area	1,372 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	15 SAINT CHARLES PL
City	FLAGLER BEACH
State	FL
Zip	32136-4905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FAIRCHILD OAKS PHASE I MB 31 PG 2 OR 601 PG 1231 OR 617 PG 1435-CD OR 693 PG 16 OR 2021/1854
Legal Range	31E
Legal Township	12S
Legal Section	37
Legal Subdivision	FAIRCHILD OAKS
Legal Phase	1
Legal Lot Number	8
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2002
Census Tract	60304

Owner

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
Co-owner	Co-owner on Record
Mailing Address	15 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jul 1, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2014 · Amount on Record
Deed Sale	Sep 2, 2014 · Amount on Record
Prior Sale	May 5, 2000 · Amount on Record
Deed Document Number	2014026539
Deed Book / Page	2021 / 1854
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	15 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4905
Transaction Type	Mortgage
Record Updated	Sep 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4905

Mortgage

Document Number	0027191033
Date	Sep 2, 2022
Book Page	2719/1033
Instrument	2022044528

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	15 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024471908
Date	Jun 9, 2020
Book Page	2447/1908
Instrument	2020021162

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	15 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4905
Document Number	0023681933
Instrument Date	Jul 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 SAINT CHARLES PL FLAGLER BEACH FL 321364905, FLAGLER BEACH, FL 32136-4905

Mortgage

Document Number	0023681933
Date	Jul 12, 2019
Book Page	002368/001933
Instrument	25573

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,146.00 (-7.71%) Homeowner's exemption	$264,341 (+5.99%)	$425,832 (+0.18%) Land $83,000 Building $342,832
2023	$3,409.00 (+6.23%) Homeowner's exemption	$249,409 (+3%)	$425,046 (+4.31%) Land $78,000 Building $347,046
2022	$3,209.00 Homeowner's exemption	$242,145	$407,497 Land $78,000 Building $329,497

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	64 in force
Nearby Flood Claims	8 (2016–2024)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 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 76% of Florida
Wildfire Likelihood	0.2% 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	TOSCANA SUBDIVISION public/private · serves 67 people · EPA ID FL3644157
Water Source	Groundwater
Last State Inspection	Dec 2025
Also Mapped Here	VC/HALIFAX PLANTATION (WTP-8)
Lead	5 ppb (2024) action level 15 ppb
Copper	1.96 mg/L (2023) action level 1.3 mg/L

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	Total trihalomethanes resolved · Jan 2023
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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