1720 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1720 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,624 sqft · built 1987
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on File
Last Sale	$715,000 (Sep 2021)
Tax Bill	$9,946 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-12-32-2750-00040-0060`

Property Details

APN / Parcel Number

Primary APN	`18-12-32-2750-00040-0060`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,624 sqft Heated Area
Gross Area	3,560 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1999
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,501 sqft (0.172 acres)
Driveway	Driveway
Driveway Area	416 sqft
Pool Area	280 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1720 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FUQUAY SUB DIV BL-4 LOT 6 OR 299 PG 714 OR 435 PG 379 OR 730 PG 1009 OR 1164 PG 1758 OR 1892/569 OR 1900/1831 OR 1922/1637 OR
Legal Range	32E
Legal Township	12S
Legal Section	18
Legal Subdivision	FUQUAY SUB
Legal Block	4
Legal Lot Number	6
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3078
Census Tract	60302

Owner

1720 S Central Ave is owned and occupied by an individual who bought it in September 2021.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit BARWICK BANKING CO
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage INNOVATIVE MORTGAGE SERVICES
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC
Oct 29, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on File
Deed Sale	Sep 30, 2021 · Amount on File
Prior Sale	Oct 29, 2019 · Amount on File
Deed Document Number	2021053807
Deed Book / Page	2611 / 525
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Transaction Type	Mortgage
Record Updated	Aug 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Investor	Possibly a Property Investor

Mortgage

Document Number	0027971888
Date	Jul 20, 2023
Book Page	2797/1888
Instrument	2023031147

Lender

Name	BARWICK BANKING CO
Type	Bank
Address	SAINT AUGUSTINE, FL 32080

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 30, 2021
Property Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Document Number	0026110525
Book / Page	2611 / 525
Map Reference	MB 1 PG 26
Instrument Date	Sep 24, 2021
Instrument	2021053807
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,005.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 ENCLAVE WAY W, 101, SAINT SIMONS ISLAND, GA 31522-5291

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12200 EMERALD GREEN CT, JACKSONVILLE, FL 32246-4242

Mortgage

Document Number	2611527
Date	Sep 30, 2021
Instrument	2611/527

Lender

Name	INNOVATIVE MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815

Mortgage

Document Number	0025101364
Date	Dec 30, 2020
Book Page	2510/1364
Instrument	2020055092

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 29, 2019
Property Address	1720 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3815
Document Number	0023941430
Book / Page	002394 / 001430
Instrument Date	Oct 28, 2019
Instrument	40218
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,269.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 EASTLAKE DR PALM COAST FL 321371520, PALM COAST, FL 32137-1520

Mortgage

Document Number	23941432
Date	Oct 29, 2019
Book Page	002394/001432
Instrument	40219

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1720 S Central Ave was $9,946 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$9,946.00 Homeowner's exemption	$552,815	$652,378 Land $243,500 Building $408,878
2023	$9,434.00 (+2.48%) Homeowner's exemption	$521,587 (+3%)	$556,614 (+3.1%) Land $169,000 Building $387,614
2022	$9,206.00 Homeowner's exemption	$506,395	$539,873 Land $169,000 Building $370,873

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

Flood

FEMA maps place 1720 S Central Ave in Zone X, an area of minimal flood risk, within 500 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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 239 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	253 units insured incl. 14 condo units
Nearby Flood Claims	200 (1991–2024)
Claims Outside the SFHA	35 of 200
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 38 claims Hurricane Irma, Sep 2017 · 91 claims Hurricane Frances, Sep 2004 · 22 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 1720 S Central Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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