Flagler County property record for 3545 S Central Ave, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 998 sqft · built 1976 |
| Lot Size | 0.035 acres (1,568 sqft) |
| Owner | Company Name on Record |
| Last Sale | $315,000 (Jul 2022) |
| Tax Bill | $4,196 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Jul 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-12-32-4880-01030-0260 |
| Primary APN | 29-12-32-4880-01030-0260 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 998 sqft Heated Area |
| Gross Area | 1,430 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 1,568 sqft (0.035 acres) |
| Driveway | Driveway |
| Driveway Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3545 S CENTRAL AVE |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-4131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 15.665' OF N 57.33' OF S 2183.43' OF E 100' OF GL 1 WEST OF 50' COUNTY ROAD (PARCEL #26) OR 83 PAGE 207 OCEAN PALM VILLA EA |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 29 |
| Legal Subdivision | COUNTY ROAD |
| Legal Lot Number | 26 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 60302 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2963 SADDLEBRED TRL, CHULUOTA, FL 32766-9272 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FLO MORTGAGE LLC |
| Jul 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage GAY FUSSELL IRA 200208174 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 13, 2022 · Amount on Record |
| Deed Sale | Jul 13, 2022 · Amount on Record |
| Prior Sale | Jun 30, 2015 · Amount on Record |
| Deed Document Number | 2022035909 |
| Deed Book / Page | 2705 / 684 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3545 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2963 SADDLEBRED TRL, CHULUOTA, FL 32766-9272 |
| Document Number | 0029941017 |
|---|---|
| Date | Sep 30, 2025 |
| Book Page | 2994/1017 |
| Instrument | 2025039846 |
| Name | FLO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLAGLER BEACH, FL 32136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 13, 2022 |
| Property Address | 3545 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Document Number | 0027050684 |
| Book / Page | 2705 / 684 |
| Instrument Date | Jun 26, 2022 |
| Instrument | 2022035909 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | FAULKNER COUNTY ABSTRACT COMPANY, FLAGLER COUNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3545 S CENTRAL AVE, 3545, FLAGLER BEACH, FL 32136-4131 |
| Name | Verified Name |
|---|---|
| Address | 2963 SADDLEBRED TRL, CHULUOTA, FL 32766-9272 |
| Document Number | 0002705686 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 2705/686 |
| Name | GAY FUSSELL IRA 200208174 |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,196.00 (-1.25%) | $214,814 (-0.3%) Land $57,500 Building $157,314 | $214,814 (-0.3%) Land $57,500 Building $157,314 |
| 2023 | $4,249.00 (+1,067.31%) | $215,471 (+147.32%) Land $57,500 Building $157,971 | $215,471 (+2.27%) Land $57,500 Building $157,971 |
| 2022 | $364.00 Homeowner's exemption Additional exemption filed | $87,123 | $210,691 Land $57,500 Building $153,191 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
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.
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.
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 |
| 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.
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 |
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