332 N 11th St, Flagler Beach, FL 32136 Property Records

Flagler County property record for 332 N 11th St, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,170 sqft · built 1978
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$701,300 (Jul 2021)
Tax Bill	$10,659 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-12-31-5050-00020-0310`

Property Details

APN / Parcel Number

Primary APN	`01-12-31-5050-00020-0310`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,170 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	2,170 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Lot Width	80 ft Width
Driveway	Concrete Driveway
Driveway Area	1,232 sqft
Pool Area	870 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	332 N 11TH ST
City	FLAGLER BEACH
State	FL
Zip	32136-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALMA VISTA SUBD BLK 2 LT 31 OR 52 PG 253 OR 59 PG 370 OR 88 PG 361 & 363 OR 104 PG 346 OR 522 PG 837 OR 577 PG 57 OR 2236/1425 OR 2476/1959- ARTHUR A CAMPBELL TRUST
Legal Range	31E
Legal Township	12S
Legal Section	01
Legal Subdivision	PALMA VISTA SUBD
Legal Block	2
Legal Lot Number	31
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1019
Census Tract	60302

Owner

332 N 11th St is owned and occupied by two individuals who bought it in July 2021.

Source: Flagler County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MCNITTMANAGEMENT INC
Sep 15, 2020	Warranty Deed, Transfer COVENANT TITLE, COVENANT CLOSING & TITLE SVCS
Oct 19, 2017	Warranty Deed, Transfer · Conventional with PMI BERNARD T & JUDY A SMITH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2021 · Amount on File
Deed Sale	Jul 15, 2021 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Document Number	202138933
Deed Book / Page	2584 / 1555
Prior Transfer Date	Mar 1, 1997
Prior Transfer Doc	0005770057
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125

Mortgage

Document Number	0026660725
Date	Mar 10, 2022
Book Page	2666/725
Instrument	2022012735

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 15, 2021
Property Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Document Number	0025841555
Book / Page	2584 / 1555
Map Reference	MB 5 PG 47&48
Instrument Date	Jul 8, 2021
Instrument	2021038933
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	PROFESSIONAL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,909.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14725 WINDWARD LN, 14725, NAPLES, FL 34114-8690

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125

Mortgage

Document Number	25841557
Date	Jul 15, 2021
Instrument	2584/1557

Lender

Name	MCNITTMANAGEMENT INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	38 Months
Due	Sep 1, 2024

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 15, 2020
Property Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Document Number	0024761959
Book / Page	002476 / 001959
Instrument Date	Sep 11, 2020
Instrument	36838
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$4,235.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	332 N 11TH ST FLAGLER BEACH FL 321363125, FLAGLER BEACH, FL 32136-3125

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 19, 2017
Property Address	332 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Document Number	0022361425
Book / Page	002236 / 001425
Instrument Date	Oct 17, 2017
Instrument	36514
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	COVENANT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	332 N 11TH ST FLAGLER BEACH FL 321363125, FLAGLER BEACH, FL 32136-3125

Mortgage

Document Number	22361427
Date	Oct 19, 2017
Book Page	002236/001427
Instrument	36515

Lender

Name	BERNARD T & JUDY A SMITH
Address	346 N 11TH ST, FLAGLER BEACH, FL 32136-3125
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 18, 2032

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 332 N 11th St was $10,659 with a homeowner's exemption, up 2.8% 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	$10,659.00 (+2.79%) Homeowner's exemption	$589,326	$620,351 Land $176,000 Building $444,351
2024	$10,370.00 (+2.53%)
2023	$10,114.00 (+6.9%) Homeowner's exemption	$556,036 (+7.09%)	$567,687 (+6.57%) Land $176,000 Building $391,687
2022	$9,461.00 Homeowner's exemption	$519,221	$532,687 Land $176,000 Building $356,687

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

Flood

FEMA maps place 332 N 11th 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 332 N 11th 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.

Nearby Properties on N 11th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures