1811 N Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1811 N Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,739 sqft · built 2001
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Sep 2025)
Tax Bill	$7,683 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`36-11-31-1420-00000-0040`

Property Details

APN / Parcel Number

Primary APN	`36-11-31-1420-00000-0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,739 sqft Living Area
Gross Area	3,990 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Driveway	Concrete Driveway
Driveway Area	704 sqft
Pool Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1811 N CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOLPHIN COVE LOT 4 OR 724 PG 789 OR 724 PG 790 OR 1540 PG 1353-DC OR 1556 PG 1337-RDMAN WRIGHT TRUST OR 2319/1066-DC OR 2363/886 OR 2403/1968
Legal Range	31E
Legal Township	11S
Legal Section	36
Legal Subdivision	DOLPHIN COVE
Legal Phase	IN
Legal Lot Number	4
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1013
Census Tract	60303

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Dec 9, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 19, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Deed Document Number	202539706
Deed Book / Page	2994 / 416
Prior Transfer Date	Nov 25, 2019
Prior Transfer Doc	0024031968
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931

Mortgage

Document Number	0027231227
Date	Sep 20, 2022
Book Page	2723/1227
Instrument	2022047046

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 26, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 30, 2025
Property Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931
Document Number	0029940416
Book / Page	2994 / 416
Map Reference	MB 32 PG 4
Instrument Date	Sep 18, 2025
Instrument	2025039706
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24371 WESTGATE BLVD, PORT CHARLOTTE, FL 33980-5586

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931

Mortgage

Document Number	0002994418
Date	Sep 30, 2025
Instrument	2994/418

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	5-Year TN
Max Rate	10.6%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 9, 2019
Property Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931
Document Number	0024031968
Book / Page	002403 / 001968
Instrument Date	Nov 25, 2019
Instrument	45552
Transaction Type	Transfer
Record Updated	Dec 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1811 N CENTRAL AVE FLAGLER BEACH FL 321362931, FLAGLER BEACH, FL 32136-2931

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 19, 2019
Property Address	1811 N CENTRAL AVE, FLAGLER BEACH, FL 32136-2931
Document Number	0023630886
Book / Page	002363 / 000886
Instrument Date	Jun 17, 2019
Instrument	22367
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1811 N CENTRAL AVE FLAGLER BEACH FL 321362931, FLAGLER BEACH, FL 32136-2931

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	$7,683.00 (+2.84%)	$437,007 (+2.9%)	$743,596 (+3.71%) Land $267,850 Building $475,746
2024	$7,471.00 (+2.62%) Homeowner's exemption	$424,691 (+3%)	$716,994 (+15.11%) Land $234,850 Building $482,144
2023	$7,280.00 (+2.55%) Homeowner's exemption	$412,321 (+3%)	$622,870 (+2.84%) Land $178,200 Building $444,670
2022	$7,099.00 Homeowner's exemption	$400,312	$605,675 Land $178,200 Building $427,475

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 202 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	416 units insured incl. 214 condo units
Nearby Flood Claims	288 (1987–2026)
Claims Outside the SFHA	120 of 288
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 39 claims Hurricane Irma, Sep 2017 · 79 claims Hurricane Matthew, Oct 2016 · 47 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	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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