Flagler County property record for 232 Ocean Palm Dr, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,144 sqft · built 1979 |
| Lot Size | 0.282 acres (12,284 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,300,000 (Feb 2023) |
| Tax Bill | $15,564 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Feb 2023 Sale + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 30-12-32-4700-00000-0460 |
| Primary APN | 30-12-32-4700-00000-0460 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 3,990 sqft |
| 1st Floor Area | 2,144 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,284 sqft (0.282 acres) |
| Lot Width | 80 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 630 sqft |
| Pool Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 232 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 46 OR 65 PG 460 OR 109 PG 123 OR 483 PG 932(PR) OR 484 PG 596-DCOR 557 PG 1332 OR 737/762 OR 2029/ 1791 OR 2327/1668 |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 30 |
| Legal Subdivision | OCEAN PALM SUBD |
| Legal Lot Number | 46 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 60302 |
Source: Flagler County records · APN 30-12-32-4700-00000-0460
Assessment roll updated December 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 23, 2026 | Intrafamily Transfer, Transfer |
| Feb 15, 2023 | Warranty Deed, Transfer OLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC |
| Feb 04, 2019 | Loan Modification, Mortgage US BK |
| Jan 02, 2019 | Warranty Deed, Transfer · ARM US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 15, 2023 · Amount on Record |
| Deed Sale | Feb 15, 2023 · Amount on Record |
| Prior Sale | Jan 02, 2019 · Amount on Record |
| Deed Document Number | 20235845 |
| Deed Book / Page | 2756 / 1141 |
| Last Transfer Date | Jan 21, 2026 |
| Transfer Doc | 0030241364 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 23, 2026 |
| Property Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0030241364 |
| Book / Page | 3024 / 1364 |
| Map Reference | MB 5 PG 70 |
| Instrument Date | Jan 21, 2026 |
| Instrument | 2026003537 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Feb 15, 2023 |
| Property Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0027561141 |
| Book / Page | 2756 / 1141 |
| Map Reference | MB 5 PG 70 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023005845 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Title Company | OLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $9,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Name | Verified Name |
|---|---|
| Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0023381641 |
| Instrument Date | Feb 04, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 232 OCEAN PALM DR FLAGLER BEACH FL 321364113, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0023381641 |
|---|---|
| Date | Mar 04, 2019 |
| Book Page | 002338/001641 |
| Instrument | 7328 |
| Name | US BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 02, 2019 |
| Property Address | 232 OCEAN PALM DR, FLAGLER BEACH, FL 32136-4113 |
| Document Number | 0023271668 |
| Book / Page | 2327 / 1668 |
| Map Reference | MB 5 PG 70 |
| Instrument Date | Dec 26, 2018 |
| Instrument | 2019000027 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTHERN TITLE HOLDING CO LL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,830.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 402 RIVER DR, 402, DEBARY, FL 32713-9711 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5251 GINGERIDGE LN, ROCKFORD, IL 61114-5331 |
| Document Number | 2019000028 |
|---|---|
| Date | Jan 02, 2019 |
| Instrument | 2019000028 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Jan 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,564.00 (+3.84%) | $796,747 (+37.56%) Land $296,000 Building $500,747 | $796,747 (+8.81%) Land $296,000 Building $500,747 |
| 2024 | $14,988.00 (+41.78%) | ||
| 2023 | $10,571.00 (+2.45%) Homeowner's exemption | $579,216 (+3%) | $732,224 (+9.33%) Land $264,000 Building $468,224 |
| 2022 | $10,318.00 Homeowner's exemption | $562,346 | $669,712 Land $264,000 Building $405,712 |
Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 66% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 23 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FLAGLER BEACH WTP serves 4,830 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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