309 Cedar Ln, Flagler Beach, FL 32136 Property Records

Flagler County property record for 309 Cedar Ln, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 1981
Lot Size	0.181 acres (7,884 sqft)
Owner	2 Trust Names on Record
Last Sale	$350,000 (Nov 2023)
Tax Bill	$3,953 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-12-31-5915-00000-0080`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5915-00000-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,468 sqft Living Area
Gross Area	2,036 sqft
1st Floor Area	1,468 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,884 sqft (0.181 acres)
Driveway	Concrete Driveway
Driveway Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	309 CEDAR LN
City	FLAGLER BEACH
State	FL
Zip	32136-3460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE VILLAGE SUBD PHASE I LOT 8 OR 171/293 OR 412/504-DC HANS OR 1768/686-DC-EVELYN OR 1768/689-OD OR 2113/1046 OR 2302/655
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	THE VILLAGE SUBD
Legal Phase	1
Legal Lot Number	8
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1023
Census Tract	60304

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 Trust Names on Record
Mailing Address	PO BOX 130, DELAWARE CITY, DE 19706-0130
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Sep 10, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 28, 2018	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2023 · Amount on Record
Deed Sale	Nov 1, 2023 · Amount on Record
Prior Sale	Aug 28, 2018 · Amount on Record
Deed Document Number	202347826
Deed Book / Page	2824 / 827
Prior Transfer Date	Jan 12, 2016
Prior Transfer Doc	0021131046
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 1, 2023
Property Address	309 CEDAR LN, FLAGLER BEACH, FL 32136-3460
Document Number	0028240827
Book / Page	2824 / 827
Map Reference	MB 26 PG 46
Instrument Date	Oct 25, 2023
Instrument	2023047826
Transaction Type	Transfer
Record Updated	Nov 16, 2023
Title Company	OLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 MANICY ROAD, MILTON, VT 05468

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 130, DELAWARE CITY, DE 19706-0130

Mortgage

Document Number	0002824832
Date	Nov 1, 2023
Instrument	2824/832

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	309 CEDAR LN, FLAGLER BEACH, FL 32136-3460
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 CEDAR LN, FLAGLER BEACH, FL 32136-3460

Mortgage

Document Number	0026040738
Date	Sep 10, 2021
Book Page	2604/738
Instrument	2021049713

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 28, 2018
Property Address	309 CEDAR LN, FLAGLER BEACH, FL 32136-3460
Document Number	0023020655
Book / Page	002302 / 000655
Instrument Date	Aug 21, 2018
Instrument	32588
Transaction Type	Transfer
Record Updated	Sep 28, 2018
Title Company	COVENANT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	309 CEDAR LN FLAGLER BEACH FL 321363460, FLAGLER BEACH, FL 32136-3460

Mortgage

Document Number	23020658
Date	Aug 28, 2018
Book Page	002302/000658
Instrument	32589

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2048

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	$3,953.00 (-28.06%)	$246,038 (+102.63%) Land $42,500 Building $203,538	$246,038 (+39.86%) Land $42,500 Building $203,538
2024	$5,495.00 (+256.12%)
2023	$1,543.00 (+3.77%) Homeowner's exemption	$121,421 (+3%)	$175,917 (+2.07%) Land $42,500 Building $133,417
2022	$1,487.00 Homeowner's exemption	$117,885	$172,346 Land $42,500 Building $129,846

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 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	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% 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.

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 160 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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