320 N 3rd St, Flagler Beach, FL 32136 Property Records

Flagler County property record for 320 N 3rd St, Flagler Beach, FL 32136

Property Summary

Property Type	Apartments (5+ Units)
Details	10,015 sqft · built 1970
Lot Size	0.465 acres (20,273 sqft)
Owner	Company Name on Record
Last Sale	$2,050,000 (Mar 2026)
Tax Bill	$19,730 (2025)
Deeds & Mortgages	Mar 2026 Sale & Construction Loan Nov 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-12-31-4500-00460-0090`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4500-00460-0090`

Interior

Units	4 Units
Stories	1 Story
Building Area	10,015 sqft Living Area
Gross Area	10,134 sqft
1st Floor Area	10,015 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Architectural Style	Multi-Family
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	20,273 sqft (0.465 acres)
Garage Area	17 sqft
Canopy	394 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	320 N 3RD ST
City	FLAGLER BEACH
State	FL
Zip	32136-3380
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	GEORGE MOODY SUBD BLOCK 46 LOTS 9-10-11-12 OR BOOK 74 PAGE 197 OR BOOK 103 PAGE 182 OR 93 PG 202 OR 248 PG 549 (DC) OR 442PG 465-466 OR 512PG 1688(ACM)0R 512 PG 1689 OR 886 PG 844 OR 1774/834-DIVIVO TRUST 1/2 INT OR 2014/211-DC OR 2076/476 OR 2077/10
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	GEORGE MOODY SUBD
Legal Block	46
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1035
Census Tract	60302

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	8 LONG LAKE WAY, PALM COAST, FL 32137-1617
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Warranty Deed, Construction Loan · Construction Mortgage VILLA APARTMENTS LLC
Nov 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2026 · Amount on Record
Deed Sale	Mar 27, 2026 · Amount on Record
Deed Document Number	202612858
Deed Book / Page	3041 / 1250
Prior Transfer Date	Jul 1, 2015
Prior Transfer Doc	0020760476
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 27, 2026
Property Address	320 N 3RD ST, FLAGLER BEACH, FL 32136-3380
Document Number	0030411250
Book / Page	3041 / 1250
Map Reference	MB 1 PG 24
Instrument Date	Mar 25, 2026
Instrument	2026012858
Transaction Type	Construction Loan
Record Updated	Apr 23, 2026
Title Company	TRINITY LAND TITLE, TRINITY LAW AND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,350.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	308 N 11TH ST, FLAGLER BEACH, FL 32136-3125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 LONG LAKE WAY, PALM COAST, FL 32137-1617

Mortgage

Document Number	0030411252
Date	Mar 27, 2026
Instrument	3041/1252

Lender

Name	VILLA APARTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	320 N 3RD ST, FLAGLER BEACH, FL 32136-3380
Document Number	0022451080
Book / Page	002245 / 001080
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3313 KINGS RD S ST AUGUSTINE FL 320865071, ST AUGUSTINE, FL 32086-5071

Mortgage

Document Number	0022451080
Date	Dec 5, 2017
Book Page	002245/001080
Instrument	42569

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

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	$19,730.00 (+7.22%)	$1,010,000 (+2.85%) Building $1,010,000	$1,010,000 (+2.85%) Building $1,010,000
2024	$18,401.00 (+6.52%)
2023	$17,274.00 (+11.69%)	$982,000 (+18.89%) Building $982,000	$982,000 (+18.89%) Building $982,000
2022	$15,466.00	$826,000 Building $826,000	$826,000 Building $826,000

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 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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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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