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2348 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 2348 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,440 sqft · built 1980
Lot Size0.265 acres (11,552 sqft)
OwnerIndividual Name on Record
Last Sale$100,000 (May 1999)
Tax Bill$3,511 (2025)
Deeds & MortgagesAug 2026 Mortgage
Mar 2020 Construction Loan
Flood ZoneZone X (minimal risk)
APN19-12-32-4550-00090-0070

Property Details

APN / Parcel Number

Primary APN19-12-32-4550-00090-0070

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,440 sqft Living Area
Gross Area4,110 sqft
1st Floor Area1,440 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Exterior MaterialAluminum/Vinyl
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,552 sqft (0.265 acres)
DrivewayConcrete Driveway
Driveway Area403 sqft
Pool Area450 sqft
Patio Area420 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address2348 S CENTRAL AVE
CityFLAGLER BEACH
StateFL
Zip32136-4041
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORNINGSIDE SUB DIV BL-9 LOT 7 OR 653 PG 598-599-DC & ACM OR 653 PG 600
Legal Range32E
Legal Township12S
Legal Section19
Legal SubdivisionMORNINGSIDE SUB
Legal Block9
Legal Lot Number7
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group2
Census Block2007
Census Tract60302

Owner

Source: Flagler County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address2348 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4041
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 21, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Mar 18, 2020Deed of Trust, Construction Loan · Construction Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 12, 1999 · Amount on Record
Deed SaleMay 12, 1999 · Amount on Record
Deed Book / Page653 / 600
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Recording DateAug 21, 2026
Property Address2348 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4041
Document Number0000034056
Book / Page3081 / 125
Instrument DateAug 13, 2026
Instrument202634056
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address2348 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4041

Mortgage

Document Number0000034056,
DateAug 21, 2026
Book Page3081/125
Instrument202634056
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

March 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Recording DateMar 18, 2020
Property Address2348 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4041
Document Number0024281704
Book / Page002428 / 001704
Instrument DateMar 9, 2020
Instrument11080
Transaction TypeConstruction Loan
Record UpdatedMay 27, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address2348 S CENTRAL AVE FLAGLER BEACH FL 321364041, FLAGLER BEACH, FL 32136-4041

Mortgage

Document Number24281704
DateMar 18, 2020
Book Page002428/001704
Instrument11080
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term12 Months
DueMar 17, 2021

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityFlagler Beach City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,511.00 (+6.85%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$264,720 (+5.99%)$496,441 (+21.98%) Land $267,850 Building $228,591
2023$3,286.00 (+0.7%) Homeowner's exemption Widower's exemption Additional exemption filed$249,766 (+3%)$406,981 (+3.04%) Land $185,900 Building $221,081
2022$3,263.00 Homeowner's exemption Widower's exemption Additional exemption filed$242,491$394,992 Land $185,900 Building $209,092

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 258 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies589 units insured
incl. 331 condo units
Nearby Flood Claims316 (1982–2024)
Claims Outside the SFHA54 of 316
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Nicole, Nov 2022 · 57 claims
  • Hurricane Irma, Oct 2017 · 161 claims
  • Hurricane Frances, Sep 2004 · 30 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemFLAGLER BEACH WTP
serves 4,830 people · EPA ID FL2180349
Water SourceGroundwater
Last State InspectionJun 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 219 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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