2120 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 2120 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,941 sqft · built 1990
Lot Size	0.172 acres (7,501 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Aug 2024)
Tax Bill	$11,218 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-12-32-2750-00230-0060`

Property Details

APN / Parcel Number

Primary APN	`18-12-32-2750-00230-0060`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,941 sqft Living Area
Gross Area	2,968 sqft
1st Floor Area	1,941 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,501 sqft (0.172 acres)
Garage Type	Detached
Garage Area	160 sqft
Driveway	Concrete Driveway
Driveway Area	1,222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2120 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FUQUAY SUB DIV BL-23 LOT 6 OR 65/387 OR 204/170 OR 299/534 OR 867/631 OR 1888/988 OR 2264 /160
Legal Range	32E
Legal Township	12S
Legal Section	18
Legal Subdivision	FUQUAY SUB
Legal Block	23
Legal Lot Number	6
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3087
Census Tract	60302

Owner

2120 S Central Ave is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jan 17, 2023	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Apr 7, 2021	Warranty Deed, Transfer · VA Mortgage NEW DAY FINANCIAL LLC
Oct 15, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Apr 7, 2021 · Amount on File
Deed Document Number	202432635
Deed Book / Page	2889 / 1815
Prior Transfer Date	Oct 5, 2020
Prior Transfer Doc	0024851431
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945

Mortgage

Document Number	0027501430
Date	Jan 17, 2023
Book Page	2750/1430
Instrument	2023001849

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 18, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 7, 2021
Property Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Document Number	0025471585
Book / Page	2547 / 1585
Map Reference	MB 1 PG 26
Instrument Date	Mar 26, 2021
Instrument	2021018604
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,408.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 SE 6TH TER, 650, POMPANO BEACH, FL 33060-8144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945

Mortgage

Document Number	25471587
Date	Apr 7, 2021
Instrument	2547/1587

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 15, 2020
Property Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Document Number	0024851431
Book / Page	002485 / 001431
Instrument Date	Oct 5, 2020
Instrument	41689
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	650 SE 6TH TER POMPANO BEACH FL 330608144, POMPANO BEACH, FL 33060-8144

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 8, 2018
Property Address	2120 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Document Number	0022640160
Book / Page	002264 / 000160
Instrument Date	Feb 27, 2018
Instrument	8426
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	650 SE 6TH TER POMPANO BEACH FL 330608144, POMPANO BEACH, FL 33060-8144

Tax Assessment & Valuation

The 2025 property tax bill for 2120 S Central Ave was $11,218.

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	$11,218.00	$574,268 Land $243,500 Building $330,768	$574,268 Land $243,500 Building $330,768
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$431,525	$450,321 Land $169,000 Building $281,321

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

Flood

FEMA maps place 2120 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 2120 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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