2140 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 2140 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 6,893 sqft · built 2024
Lot Size	0.258 acres (11,252 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2018)
Tax Bill	$57,792 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Jul 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-12-32-2750-00230-0110`

Property Details

APN / Parcel Number

Primary APN	`18-12-32-2750-00230-0110`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	6,893 sqft Living Area
1st Floor Area	6,893 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Lot Area	11,252 sqft (0.258 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2140 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 12 & S1/2 LOT 11 OR 196 PG 290 OR 685/1958 OR 1948/1410 OR 2100/287 OR 2214/834 OR 2294/1003
Legal Range	32E
Legal Township	12S
Legal Section	18
Legal Subdivision	FUQUAY SUB
Legal Block	23
Legal Lot Number	11
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3087
Census Tract	60302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2140 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2025	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION
Jul 21, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Jul 23, 2018	Warranty Deed, Transfer CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2018 · Amount on Record
Deed Sale	Jul 23, 2018 · Amount on Record
Prior Sale	Jun 28, 2017 · Amount on Record
Deed Document Number	201827232
Deed Book / Page	2294 / 1003
Prior Transfer Date	Nov 30, 2015
Prior Transfer Doc	0021000287
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	2140 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2140 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945

Mortgage

Document Number	0029661737
Date	Jun 12, 2025
Book Page	2966/1737
Instrument	2025024374

Lender

Name	SOUTH STATE BANK NATIONAL ASSOCIATION
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 30, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	2140 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2661 AVON CV NE 2, 2, ATLANTA, GA 30329-4711

Mortgage

Document Number	0025860822
Date	Jul 21, 2021
Book Page	2586/822
Instrument	2021039924

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 23, 2018
Property Address	2140 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3945
Document Number	0022941003
Book / Page	2294 / 1003
Map Reference	MB1 PG26
Instrument Date	Jul 5, 2018
Instrument	2018027232
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3533 ROXBORO RD NE UNIT 2, 2, ATLANTA, GA 30326-3290

Mortgage

Document Number	2018027233
Date	Jul 23, 2018
Instrument	2018027233

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 20, 2023

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	$57,792.00 (+1,362.35%) Homeowner's exemption	$3,002,043 (+1,615.45%) Land $261,500 Building $2,740,543	$3,002,043 (+1,615.45%) Land $261,500 Building $2,740,543
2024	$3,952.00 (+14.52%)
2023	$3,451.00 (+1.62%)	$175,000 (-) Land $175,000	$175,000 (-) Land $175,000
2022	$3,396.00	$175,000 Land $175,000	$175,000 Land $175,000

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

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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