189 Oak Ln, Flagler Beach, FL 32136 Property Records

Flagler County property record for 189 Oak Ln, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,584 sqft · built 1981
Lot Size	0.173 acres (7,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Nov 2023)
Tax Bill	$4,180 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-12-31-5916-00000-0150`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5916-00000-0150`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,466 sqft
1st Floor Area	1,584 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,553 sqft (0.173 acres)
Driveway	Concrete Driveway
Driveway Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	189 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 15 OR 157 PG 355 OR 170 PG 599 OR 320 PG 654 OR 629 PG 1352 OR 679 PG 769 OR 797 PG 1657 OR 1189/130 OR 2323/1017
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	THE VILLAGE
Legal Phase	2
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1023
Census Tract	60304

Owner

Source: Flagler County records, as of June 5, 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	189 OAK LN, FLAGLER BEACH, FL 32136-3474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Warranty Deed, Transfer · Conventional Mortgage MAINSTREET COMMUNITY BANK OF FLORID
Nov 18, 2022	Warranty Deed, Transfer OCEAN BLUE TITLE LLC
Dec 7, 2018	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Prior Sale	Nov 18, 2022 · Amount on Record
Deed Document Number	202351843
Deed Book / Page	2830 / 703
Prior Transfer Date	Dec 30, 2004
Prior Transfer Doc	0011890130
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 30, 2023
Property Address	189 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0028300703
Book / Page	2830 / 703
Map Reference	MB 26 PG 52&53
Instrument Date	Nov 14, 2023
Instrument	2023051843
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	629 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	189 OAK LN, FLAGLER BEACH, FL 32136-3474

Mortgage

Document Number	0002830705
Date	Nov 30, 2023
Instrument	2830/705

Lender

Name	MAINSTREET COMMUNITY BANK OF FLORID
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Max Rate At Change	9.25%
Index	1-Year T-Bill
Max Rate	13.2%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 18, 2022
Property Address	189 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0027350661
Book / Page	2735 / 661
Map Reference	MB 26 PG 52
Instrument Date	Nov 11, 2022
Instrument	2022054596
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 WOOD AMBER LN, 26, PALM COAST, FL 32164-7960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033
Investor	Possibly a Property Investor

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 7, 2018
Property Address	189 OAK LN, FLAGLER BEACH, FL 32136-3474
Document Number	0023231017
Book / Page	2323 / 1017
Map Reference	MB26 PG52&53
Instrument Date	Nov 26, 2018
Instrument	2018045735
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FLAGLER COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 OAK LN, 189, FLAGLER BEACH, FL 32136-3474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 WOOD AMBER LN, PALM COAST, FL 32164-7960

Mortgage

Document Number	2018045736
Date	Dec 7, 2018
Instrument	2018045736

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

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	$4,180.00 (-30.38%)	$257,658 (+37.62%) Land $52,500 Building $205,158	$257,658 (+37.62%) Land $52,500 Building $205,158
2024	$6,004.00 (+62.62%)
2023	$3,692.00 (+97.86%)	$187,219 (+36.7%) Land $52,500 Building $134,719	$187,219 (+0.84%) Land $52,500 Building $134,719
2022	$1,866.00 Homeowner's exemption	$136,953	$185,652 Land $52,500 Building $133,152

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 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

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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