2105 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 2105 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,249 sqft · built 2019
Lot Size	0.105 acres (4,617 sqft)
Owner	Individual Name on File
Last Sale	$835,000 (Nov 2020)
Tax Bill	$12,825 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-12-32-2750-00220-0230`

Property Details

APN / Parcel Number

Primary APN	`18-12-32-2750-00220-0230`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	3,249 sqft Heated Area
Gross Area	5,267 sqft
Interior Walls	Wallboard/Drywall
Elevator	Elevator

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,617 sqft (0.105 acres)
Driveway	Driveway
Driveway Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2105 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FUQUAY SUB DIV BL-22 LOT 23 OR 26 PG 607 OR 464 PG 1088-DC OR 1260 PG 1907 OR 2029/1473
Legal Range	32E
Legal Township	12S
Legal Section	18
Legal Subdivision	FUQUAY SUB
Legal Lot Number	23
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3073
Census Tract	60302

Owner

2105 S Central Ave is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2105 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3948
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
Oct 20, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANCE CU OF FLORIDA
Nov 3, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2020 · Amount on File
Deed Sale	Nov 3, 2020 · Amount on File
Deed Document Number	2020045296
Deed Book / Page	2491 / 1903
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	2105 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3948
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 NW 98TH ST, GAINESVILLE, FL 32606-5517

Mortgage

Document Number	0024871044
Date	Oct 20, 2020
Book Page	2487/1044
Instrument	2020042686

Lender

Name	ALLIANCE CU OF FLORIDA
Type	Credit Union
Address	GAINESVILLE, FL 32601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 19, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 3, 2020
Property Address	2105 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3948
Document Number	0024911903
Book / Page	2491 / 1903
Map Reference	MB 1 PG 26
Instrument Date	Sep 28, 2020
Instrument	2020045296
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OLDE FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,845.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 POINSETTIA DRDAY, 54, ORMOND BEACH, FL 32176

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3948

Mortgage

Document Number	0024911905
Date	Nov 3, 2020
Instrument	2491/1905

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2105 S Central Ave was $12,825 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	$12,825.00 Homeowner's exemption	$700,196	$813,350 Land $138,000 Building $675,350
2023	$12,177.00 (+2.42%) Homeowner's exemption	$660,643 (+3%)	$771,447 (+2.51%) Land $138,000 Building $633,447
2022	$11,889.00 Homeowner's exemption	$641,401	$752,590 Land $138,000 Building $614,590

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

Flood

FEMA maps place 2105 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 2105 S Central Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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 318 locations within half a mile, as of December 31, 2025

Provider	Max 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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