2624 Osprey Cir N, Flagler Beach, FL 32136 Property Records

Flagler County property record for 2624 Osprey Cir N, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,189 sqft · built 1992
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2019)
Tax Bill	$8,460 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2019 Sale & Construction Loan
Flood Zone	Zone AE (high risk)
APN	`26-11-31-4775-00000-0050`

Property Details

APN / Parcel Number

Primary APN	`26-11-31-4775-00000-0050`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,189 sqft Living Area
Gross Area	3,051 sqft
1st Floor Area	2,189 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2007
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	26,136 sqft (0.6 acres)
Driveway	Concrete Driveway
Driveway Area	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2624 OSPREY CIR N
City	FLAGLER BEACH
State	FL
Zip	32136-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.60 ACRES OSPREY POINT SUBD LOT 5 OR 396 PG 583 OR 462 PG 1649 OR 561 PG 58-59(ACM-DC) OR 1896/1546 OR 1995/92-CD OR 2238/1122-DC OR 2242/30- OR 2263/1601-OD OR 2386/929
Legal Range	31E
Legal Township	11S
Legal Section	26
Legal Subdivision	OSPREY POINT SUB
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1002
Census Tract	60303

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	2 Individual Names on Record
Mailing Address	2624 OSPREY CIR N, FLAGLER BEACH, FL 32136-2758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC
Sep 26, 2019	Warranty Deed, Construction Loan · Construction Mortgage AMERIS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Deed Document Number	201935611
Deed Book / Page	2386 / 929
Prior Transfer Date	Oct 2, 2012
Prior Transfer Doc	0018961546
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	2624 OSPREY CIR N, FLAGLER BEACH, FL 32136-2758
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2624 OSPREY CIR N, FLAGLER BEACH, FL 32136-2758

Mortgage

Document Number	0030041365
Date	Nov 5, 2025
Book Page	3004/1365
Instrument	2025045387

Lender

Name	INDEPENDENCE HOME LOANS LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 26, 2019
Property Address	2624 OSPREY CIR N, FLAGLER BEACH, FL 32136-2758
Document Number	0023860929
Book / Page	2386 / 0929
Map Reference	MB 28 PG 14-18
Instrument Date	Sep 18, 2019
Instrument	2019035611
Transaction Type	Construction Loan
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TTL HLDG COMAPNY LL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 WOODLAND GREENS DR, 77, PONTE VEDRA, FL 32081-8411

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14007 E DESERT VISTA TRL, SCOTTSDALE, AZ 85262-8106

Mortgage

Document Number	0023860933
Date	Sep 26, 2019
Instrument	2386-0933

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Beverly Beach Town
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,460.00 (-4.91%) Homeowner's exemption	$601,018 (+18.7%) Land $265,650 Building $335,368	$601,018 (+18.7%) Land $265,650 Building $335,368
2024	$8,897.00 (+13.85%)
2023	$7,815.00 (+5.24%)	$506,348 (+2.09%) Land $170,500 Building $335,848	$506,348 (+2.09%) Land $170,500 Building $335,848
2022	$7,426.00	$495,992 Land $170,500 Building $325,492	$495,992 Land $170,500 Building $325,492

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 202 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	416 units insured incl. 214 condo units
Nearby Flood Claims	288 (1987–2026)
Claims Outside the SFHA	120 of 288
Most Recent Claim	Mar 2026 · rainfall accumulation
Claims by Event	Hurricane Nicole, Nov 2022 · 39 claims Hurricane Irma, Sep 2017 · 79 claims Hurricane Matthew, Oct 2016 · 47 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 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 69 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

May also be available: AT&T, Metronet.

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