Flagler County property record for 2097 Joyce St, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 984 sqft · built 1972 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $166,000 (Sep 2020) |
| Tax Bill | $1,425 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-12-31-3025-00010-0020 |
| Primary APN | 11-12-31-3025-00010-0020 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 984 sqft Heated Area |
| Gross Area | 1,344 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Rolled Roofing |
| Lot Area | 7,405 sqft (0.169 acres) |
| Driveway | Driveway |
| Driveway Area | 270 sqft |
| Patio Area | 100 sqft |
| Storage Building | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2097 JOYCE ST |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-3441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST UR SUBDIVISION PROPERTY APPRAISERS MAP #5 BLOCK 1 LOT 2 MORE PARTICULARY DESCRIBED IN OR BOOK 50 PAGE 29 OR 206 PG |
| Legal Range | 31E |
| Legal Township | 12S |
| Legal Section | 11 |
| Legal Subdivision | HILLCREST UR SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 60304 |
2097 Joyce St is owned and occupied by an individual who bought it in September 2020.
Source: Flagler County records, as of December 22, 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 | Individual Name on File |
|---|---|
| Mailing Address | 2097 JOYCE ST, FLAGLER BEACH, FL 32136-3441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2020 · Amount on File |
| Deed Sale | Sep 23, 2020 · Amount on File |
| Prior Sale | Jul 21, 2009 · Amount on File |
| Deed Document Number | 2020038219 |
| Deed Book / Page | 2479 / 998 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 23, 2020 |
| Property Address | 2097 JOYCE ST, FLAGLER BEACH, FL 32136-3441 |
| Document Number | 0024790998 |
| Book / Page | 2479 / 998 |
| Map Reference | MB 1 PG 1 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 2020038219 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | OLDE FLORIDA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 BRONSON LN, 20, PALM COAST, FL 32137-8725 |
| Name | Verified Name |
|---|---|
| Address | 2097 JOYCE ST, FLAGLER BEACH, FL 32136-3441 |
| Document Number | 0024791001 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 2479/1001 |
| Name | ALKAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 2097 Joyce St was $1,425 with a homeowner's exemption.
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,425.00 Homeowner's exemption | $116,649 | $151,816 Land $78,000 Building $73,816 |
| 2023 | $1,319.00 (+4.02%) Homeowner's exemption | $110,061 (+3%) | $133,957 (-7.24%) Land $53,000 Building $80,957 |
| 2022 | $1,268.00 Homeowner's exemption | $106,856 | $144,419 Land $63,000 Building $81,419 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2097 Joyce St in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1995.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 2097 Joyce St is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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.
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 |
| 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.
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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