Flagler County property record for 228 Ocean Palm Dr, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,928 sqft · built 1985 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $570,000 (Nov 2018) |
| Tax Bill | $10,757 (2025) |
| Deeds & Mortgages | Nov 2018 Sale & Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 30-12-32-4700-00000-0440 |
| Primary APN | 30-12-32-4700-00000-0440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,928 sqft Living Area |
| Gross Area | 2,770 sqft |
| 1st Floor Area | 1,928 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,024 sqft (0.299 acres) |
| Lot Width | 80 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 1,036 sqft |
| Pool Area | 450 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 228 OCEAN PALM DR |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-4113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OCEAN PALM SUBD LOT 44 OR 99 PG 684 OR 571 PG 618(DC) OR 575 PG 414 OR 635 PG 397 OR 2224/116-DC OR 2319/1775 |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 30 |
| Legal Subdivision | OCEAN PALM SUBD |
| Legal Lot Number | 44 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 60302 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 228 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Nov 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage DIANE R OLBRYS |
| Nov 1, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2018 · Amount on Record |
| Deed Sale | Nov 19, 2018 · Amount on Record |
| Prior Sale | Dec 1, 1998 · Amount on Record |
| Deed Document Number | 201843530 |
| Deed Book / Page | 2319 / 1775 |
| Last Transfer Date | Dec 5, 2023 |
| Transfer Doc | 0028320242 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 19, 2018 |
| Property Address | 228 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0023191775 |
| Book / Page | 002319 / 001775 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 43530 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,990.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1 LAKEVIEW AVE MASSAPEQUA NY 117585259, MASSAPEQUA, NY 11758-5259 |
| Document Number | 23191777 |
|---|---|
| Date | Nov 19, 2018 |
| Book Page | 002319/001777 |
| Instrument | 43531 |
| Name | DIANE R OLBRYS |
|---|---|
| Address | 22 OCEAN PALM VILLA S, FLAGLER BEACH, FL 32136-4201 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Nov 18, 2020 |
| Rate | 5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 228 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0022431347 |
| Book / Page | 002243 / 001347 |
| Instrument Date | Nov 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 228 OCEAN PALM DR FLAGLER BEACH FL 321364113, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0022431347 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 002243/001347 |
| Instrument | 41380 |
| Name | US SMALL BUSN ADMN |
|---|---|
| Address | BIRMINGHAM, AL 35211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2047 |
Source: Flagler County assessment roll, as of December 8, 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 | $10,757.00 (+2.82%) | $599,327 (+5.99%) | $668,307 (+7.84%) Land $296,000 Building $372,307 |
| 2024 | $10,462.00 (+2.56%) | ||
| 2023 | $10,201.00 (+1.57%) Homeowner's exemption Disabled Person's exemption | $565,472 (+3%) | $619,745 (+2.21%) Land $264,000 Building $355,745 |
| 2022 | $10,043.00 Homeowner's exemption Disabled Person's exemption | $549,002 | $606,342 Land $264,000 Building $342,342 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 258 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 589 units insured incl. 331 condo units |
| Nearby Flood Claims | 316 (1982–2024) |
| Claims Outside the SFHA | 54 of 316 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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