1591 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1591 Lambert Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,858 sqft · built 2018
Lot Size	1.16 acres (50,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$49,000 (May 2012)
Tax Bill	$9,543 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`11-12-31-5325-00000-0470`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0470`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,858 sqft Living Area
Gross Area	4,150 sqft
1st Floor Area	2,858 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	50,922 sqft (1.16 acres)
Driveway	Brick Driveway
Driveway Area	1,000 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1591 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOT 47 MB 27 P 15 OR 311 PG 970 OR 617 PG 1459 OR 1361 PG 1329 OR 1830/1710 OR 1870/1267
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBD
Legal Lot Number	47
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3016
Census Tract	60301

Owner

Source: Flagler County records, as of April 6, 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	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jun 14, 2017	Deed of Trust, Mortgage · ARM AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2012 · Amount on Record
Deed Sale	May 21, 2012 · Amount on Record
Prior Sale	Aug 26, 2011 · Amount on Record
Deed Document Number	201215453
Deed Book / Page	1870 / 1267
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045

Mortgage

Document Number	0027250424
Date	Sep 30, 2022
Book Page	2725/424
Instrument	2022048002

Lender

Name	AMERIS BANK
Type	Bank
Address	PALM COAST, FL 32164

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 18, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045

Mortgage

Document Number	0025310962
Date	Feb 25, 2021
Book Page	2531/962
Instrument	2021009956

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1591 LAMBERT AVE, FLAGLER BEACH, FL 32136-3045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022111568
Date	Jun 14, 2017
Book Page	2211/1568
Instrument	2017020922

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

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	$9,543.00 (+3.6%) Homeowner's exemption	$532,184 (+6.73%)	$786,606 (+10.39%) Land $182,500 Building $604,106
2024	$9,211.00 (+2.56%)
2023	$8,981.00 (+2.49%) Homeowner's exemption	$498,612 (+3%)	$712,573 (+7.86%) Land $182,500 Building $530,073
2022	$8,763.00 Homeowner's exemption	$484,090	$660,656 Land $147,000 Building $513,656

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 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	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Sep 2017 · 18 claims Hurricane Matthew, Oct 2016 · 4 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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