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1909 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 1909 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,979 sqft · built 2021
Lot Size0.115 acres (5,001 sqft)
Owner2 Individual Names on File
Last Sale$143,000 (Dec 2019)
Tax Bill$8,164 (2025)
Deeds & MortgagesMar 2020 Construction Loan
Dec 2019 Sale
Flood ZoneZone X (minimal risk)
APN18-12-32-2750-00200-0220

Property Details

APN / Parcel Number

Primary APN18-12-32-2750-00200-0220

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,979 sqft Living Area
1st Floor Area1,979 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1909 S CENTRAL AVE
CityFLAGLER BEACH
StateFL
Zip32136-3946
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFUQUAY SUB DIV BL-20 LOTS 22- OR 275 PG 490 OR 310 PG 632 OR 670 PG 556-DC OR 670 PG 578 OR 670 PG 582 OR 690 PG 530 OR 2006/618 OR 2100/1296 OR 2408/1182
Legal Range32E
Legal Township12S
Legal Section18
Legal SubdivisionFUQUAY SUB
Legal Block20
Legal Lot Number22
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group3
Census Block3075
Census Tract60302

Owner

1909 S Central Ave is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record2 Individual Names on File
Mailing Address1909 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3946
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Mar 17, 2020Deed of Trust, Mortgage · Construction Mortgage
AMERIS BANK
Dec 27, 2019Warranty Deed, Transfer
LEADING EDGE TITLE/CTRL FL LIMITED, LEADING EDGE TITLE/CTRL FL LTD

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 27, 2019 · Amount on File
Deed SaleDec 27, 2019 · Amount on File
Prior SaleDec 10, 2015 · Amount on File
Deed Document Number201948246
Deed Book / Page2408 / 1182
Prior Transfer DateMar 25, 2000
Prior Transfer Doc0690000530
Record UpdatedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address1909 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3946
Transaction TypeMortgage
Record UpdatedMar 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0024280797
DateMar 17, 2020
Book Page2428/797
Instrument2020010842
Lender
NameAMERIS BANK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term373 Months
DueApr 1, 2051

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateDec 27, 2019
Property Address1909 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3946
Document Number0024081182
Book / Page002408 / 001182
Instrument DateDec 26, 2019
Instrument48246
Transaction TypeTransfer
Record UpdatedJan 15, 2020
Title CompanyLEADING EDGE TITLE/CTRL FL LIMITED, LEADING EDGE TITLE/CTRL FL LTD

Transaction

AmountAmount on Record
Tax$1,001.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4072 HAWS LN ORLANDO FL 328146554, ORLANDO, FL 32814-6554

Tax Assessment & Valuation

The 2025 property tax bill for 1909 S Central Ave was $8,164 with a homeowner's exemption, up 2.8% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityFlagler Beach City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,164.00 (+2.83%) Homeowner's exemption$461,595$629,695 Land $138,000 Building $491,695
2024$7,939.00 (+2.61%)
2023$7,737.00 (+2.53%) Homeowner's exemption$435,520 (+3%)$601,647 (+4.4%) Land $138,000 Building $463,647
2022$7,546.00 Homeowner's exemption$422,835$576,278 Land $138,000 Building $438,278

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

Flood

FEMA maps place 1909 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone VE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 239 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies253 units insured
incl. 14 condo units
Nearby Flood Claims200 (1991–2024)
Claims Outside the SFHA35 of 200
Most Recent ClaimOct 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 1909 S Central Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemFLAGLER BEACH WTP
serves 4,830 people · EPA ID FL2180349
Water SourceGroundwater
Last State InspectionJun 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 318 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

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