316 N 7th St, Flagler Beach, FL 32136 Property Records

Flagler County property record for 316 N 7th St, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,596 sqft · built 2015
Lot Size	0.112 acres (4,861 sqft)
Owner	2 Trust Names on File
Last Sale	$69,900 (Jul 2014)
Tax Bill	$4,275 (2025)
Deeds & Mortgages	Sep 2026 Sale Jan 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`12-12-31-4500-00420-0120`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4500-00420-0120`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Living Area
Gross Area	2,324 sqft
1st Floor Area	1,596 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,861 sqft (0.112 acres)
Driveway	Concrete Driveway
Driveway Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	316 N 7TH ST
City	FLAGLER BEACH
State	FL
Zip	32136-3356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE MOODY SUBD BLOCK 42 LOT 12 OR 52 PG 613 OR 311 PG 73 OR 440 PG 780 OR 446 PG 530 OR 960 PG 195 OR 1300 PG 1682 OR 1701/1465 OR 1734/1726-FJ OR 2016/454
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	GEORGE MOODY SUBD
Legal Block	42
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1023
Census Tract	60302

Owner

316 N 7th St is owner-occupied and held in a trust since September 2026.

Source: Flagler County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 7, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2014 · Amount on File
Deed Sale	Jul 30, 2014 · Amount on File
Prior Sale	Feb 10, 2009 · Amount on File
Deed Document Number	201422761
Deed Book / Page	2016 / 454
Last Transfer Date	Sep 22, 2026
Transfer Doc	0000038983
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 25, 2026
Property Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356
Document Number	0000038983
Book / Page	3089 / 1383
Instrument Date	Sep 22, 2026
Instrument	202638983
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356
Transaction Type	Mortgage
Record Updated	Feb 16, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356

Mortgage

Document Number	0026530858
Date	Jan 31, 2022
Book Page	2653/858
Instrument	2022005272

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	316 N 7TH ST, FLAGLER BEACH, FL 32136-3356
Document Number	0022250945
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 N 7TH ST FLAGLER BEACH FL 321363356, FLAGLER BEACH, FL 32136-3356

Mortgage

Document Number	0022250945
Date	Aug 18, 2017
Book Page	002225/000945
Instrument	29347

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 316 N 7th St was $4,275, up 3% from the year before.

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	$4,275.00 (+3.01%)	$262,514	$477,294 Land $136,500 Building $340,794
2024	$4,150.00 (+2.9%)
2023	$4,033.00 (+2.8%) Homeowner's exemption	$247,684 (+3%)	$423,601 (+2.42%) Land $105,000 Building $318,601
2022	$3,923.00 Homeowner's exemption	$240,470	$413,597 Land $105,000 Building $308,597

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 316 N 7th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 270 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	272 units insured incl. 2 condo units
Nearby Flood Claims	281 (1984–2024)
Claims Outside the SFHA	50 of 281
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 58 claims Hurricane Ian, Oct 2022 · 9 claims Hurricane Irma, Sep 2017 · 168 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

Wildfire risk around 316 N 7th St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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	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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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