3503 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 3503 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,408 sqft · built 1983
Lot Size	0.023 acres (1,028 sqft)
Owner	2 Owner Names on File
Last Sale	$121,000 (Sep 2012)
Tax Bill	$247 (2025)
Deeds & Mortgages	Dec 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-12-32-2980-00020-00C0`

Property Details

APN / Parcel Number

Primary APN	`29-12-32-2980-00020-00C0`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,408 sqft Heated Area
Gross Area	2,035 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,028 sqft (0.023 acres)
Driveway	Driveway
Driveway Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3503 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-4131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GOLFVIEW ON THE OCEAN PARCEL 2 #3503 UNIT TYPE C OR 138 PG 116 OR 896 PG 1917 OR 1623 PG 109-DC OR 1633/1901 OR 1895/ 734
Legal Range	32E
Legal Township	12S
Legal Section	29
Legal Subdivision	GOLFVIEW ON THE OCEAN
Legal Lot Number	2
Legal Unit	TYPE
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2019
Census Tract	60302

Owner

The current owner of 3503 S Central Ave bought it in September 2012.

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

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

Owner of Record	2 Owner Names on File
Mailing Address	3503 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2012 · Amount on File
Deed Sale	Sep 27, 2012 · Amount on File
Prior Sale	Dec 20, 2007 · Amount on File
Deed Document Number	2012030997
Deed Book / Page	1895 / 0734
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3503 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3503 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131

Mortgage

Document Number	0026370354
Date	Dec 13, 2021
Book Page	2637/354
Instrument	2021067799

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.26%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.26%

Tax Assessment & Valuation

The 2025 property tax bill for 3503 S Central Ave was $247 with exemptions applied.

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	$247.00 Homeowner's exemption Additional exemption filed	$71,243	$253,153 Land $57,500 Building $195,653
2023	$241.00 (+2.12%) Homeowner's exemption Additional exemption filed	$67,219 (+3%)	$249,388 (-0.2%) Land $57,500 Building $191,888
2022	$236.00 Homeowner's exemption Additional exemption filed	$65,262	$249,900 Land $57,500 Building $192,400

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

Flood

FEMA maps place 3503 S Central Ave in Zone X, an area of minimal 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 minimal risk
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 258 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	589 units insured incl. 331 condo units
Nearby Flood Claims	316 (1982–2024)
Claims Outside the SFHA	54 of 316
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 57 claims Hurricane Irma, Oct 2017 · 161 claims Hurricane Frances, Sep 2004 · 30 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 3503 S Central Ave is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20