32 Turtle Ridge Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 32 Turtle Ridge Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,246 sqft · built 2019
Lot Size	0.323 acres (14,070 sqft)
Owner	Individual Name on Record
Last Sale	$289,400 (Jan 2019)
Tax Bill	$2,857 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`35-12-31-2010-00000-0630`

Property Details

APN / Parcel Number

Primary APN	`35-12-31-2010-00000-0630`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,246 sqft Heated Area
Gross Area	3,112 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,070 sqft (0.323 acres)
Driveway	Driveway
Driveway Area	830 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	32 TURTLE RIDGE DR
City	FLAGLER BEACH
State	FL
Zip	32136-4383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKES-PHASE I-SECTION I MB 36 PG 10 LOT 63 OR 1908/123 OR 1915/205-AMD CT OR 2052/671 OR 2132/1265 OR 2332/244
Legal Range	31E
Legal Township	12S
Legal Section	35
Legal Subdivision	EAGLE LAKES
Legal Phase	1
Legal Lot Number	63
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2032
Census Tract	60304

Owner

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	32 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Jan 25, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	2019002933
Deed Book / Page	2332 / 0244
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	32 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023851911
Date	Sep 24, 2019
Book Page	2385/1911
Instrument	2019035330

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

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

January 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 25, 2019
Property Address	32 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Document Number	0023320244
Book / Page	2332 / 0244
Map Reference	MB 36 PG 10-20
Instrument Date	Jan 24, 2019
Instrument	2019002933
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TITLE HOLDING CO LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,025.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383

Mortgage

Document Number	2019002934
Date	Jan 25, 2019
Instrument	2019002934

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,857.00 (-8.81%) Homeowner's exemption	$243,842 (+5.99%)	$357,121 (-0.08%) Land $58,000 Building $299,121
2023	$3,133.00 (+7.59%) Homeowner's exemption	$230,068 (+3.83%)	$357,401 (+3.21%) Land $58,000 Building $299,401
2022	$2,912.00 Homeowner's exemption	$221,575	$346,289 Land $58,000 Building $288,289

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	64 in force
Nearby Flood Claims	8 (2016–2024)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 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 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

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

May also be available: Metronet, Verizon.

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