322 N 12th St, Flagler Beach, FL 32136 Property Records

Flagler County property record for 322 N 12th St, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,921 sqft · built 2007
Lot Size	0.193 acres (8,438 sqft)
Owner	2 Owner Names on File
Last Sale	$52,500 (Sep 2013)
Tax Bill	$13,443 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-12-31-5050-00030-0360`

Property Details

APN / Parcel Number

Primary APN	`01-12-31-5050-00030-0360`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	4,921 sqft Heated Area
Gross Area	6,356 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	8,438 sqft (0.193 acres)
Lot Width	60 ft Width
Pool Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	322 N 12TH ST
City	FLAGLER BEACH
State	FL
Zip	32136-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALMA VISTA SUBD BLOCK 3 LOT 36 OR 54 PG 179 OR BOOK 76 PAGE 623 OR 121 PG 649 OR 180 PG 262 OR 435 PG 1236 OR 583 PG 846-847
Legal Range	31E
Legal Township	12S
Legal Section	01
Legal Subdivision	PALMA VISTA SUB
Legal Block	3
Legal Lot Number	36
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1019
Census Tract	60302

Owner

The current owner of 322 N 12th St bought it in September 2013.

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

Owner of Record	2 Owner Names on File
Mailing Address	322 N 12TH ST, FLAGLER BEACH, FL 32136-3119
Occupancy	Owner Occupied

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
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Apr 27, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Mar 1, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2013 · Amount on File
Deed Sale	Sep 20, 2013 · Amount on File
Prior Sale	Aug 15, 2013 · Amount on File
Deed Document Number	2013032880
Deed Book / Page	1966 / 0850
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	322 N 12TH ST, FLAGLER BEACH, FL 32136-3119
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 N 12TH ST, FLAGLER BEACH, FL 32136-3119

Mortgage

Document Number	0026531139
Date	Jan 31, 2022
Book Page	2653/1139
Instrument	2022005360

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	322 N 12TH ST, FLAGLER BEACH, FL 32136-3119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022750484
Date	Apr 27, 2018
Book Page	2275/0484
Instrument	2018015355

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	322 N 12TH ST, FLAGLER BEACH, FL 32136-3119
Document Number	0021910784
Book / Page	002191 / 000784
Instrument Date	Mar 1, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 N 12TH ST FLAGLER BEACH FL 321363119, FLAGLER BEACH, FL 32136-3119

Mortgage

Document Number	0021910784
Date	Mar 8, 2017
Book Page	002191/000784
Instrument	8210

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 322 N 12th St was $13,443 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$13,443.00 Homeowner's exemption	$731,861	$1,057,146 Land $145,200 Building $911,946
2023	$12,766.00 (+2.41%) Homeowner's exemption	$690,519 (+3%)	$961,439 (+3.96%) Land $145,200 Building $816,239
2022	$12,465.00 Homeowner's exemption	$670,407	$924,803 Land $145,200 Building $779,603

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

Flood

FEMA maps place 322 N 12th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 322 N 12th 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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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