Flagler County property record for 3581 S Central Ave, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,515 sqft · built 1983 |
| Lot Size | 0.025 acres (1,076 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $224,000 (Mar 2019) |
| Tax Bill | $1,637 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-12-32-2980-00090-00D0 |
| Primary APN | 29-12-32-2980-00090-00D0 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,515 sqft Living Area |
| Gross Area | 2,100 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Townhouse |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 1,076 sqft (0.025 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 230 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3581 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 9 UNIT TYPE D #3581 OR 114 PG 109 OR 134 PG 62 OR 143 PG 357-CD OR 367 PG 570 OR 661 PG 1408 OR 1054/1659 OR 1792/918- OR 2339/713-DC OR 2339/715 OR 2368/1240 OR 2465/1858-FJ- NME CHG |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 29 |
| Legal Subdivision | GOLFVIEW ON THE OCEAN |
| Legal Block | 9 |
| Legal Lot Number | D |
| Legal Unit | TYPE |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 60302 |
3581 S Central Ave is owned and occupied by two individuals who acquired it in July 2019.
Source: Flagler County records, as of December 8, 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 Individual Names on File |
|---|---|
| Mailing Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 10, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 5, 2019 | Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2019 · Amount on File |
| Deed Sale | Mar 5, 2019 · Amount on File |
| Prior Sale | Mar 18, 2004 · Amount on File |
| Deed Document Number | 20197666 |
| Deed Book / Page | 2339 / 715 |
| Last Transfer Date | Jul 5, 2019 |
| Transfer Doc | 0023681240 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023740756 |
|---|---|
| Date | Aug 5, 2019 |
| Book Page | 2374/0756 |
| Instrument | 2019028719 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Document Number | 0025180506 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 2518/506 |
| Instrument | 2021003355 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 10, 2019 |
| Property Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Document Number | 0023681240 |
| Book / Page | 002368 / 001240 |
| Instrument Date | Jul 5, 2019 |
| Instrument | 25344 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3581 S CENTRAL AVE FLAGLER BEACH FL 321364131, FLAGLER BEACH, FL 32136-4131 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 5, 2019 |
| Property Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Document Number | 0023390715 |
| Book / Page | 2339 / 0715 |
| Instrument Date | Feb 27, 2019 |
| Instrument | 2019007666 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | REALTY PRO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,568.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 243 OCEAN PALM DR, 243, FLAGLER BEACH, FL 32136-4113 |
| Name | Verified Name |
|---|---|
| Address | 3581 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4131 |
| Document Number | 2019007667 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 2019007667 |
| Name | GOLDWATER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 3581 S Central Ave was $1,637 with a homeowner's exemption, up 3.5% from the year before.
Source: Flagler County assessment roll, as of December 8, 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 | $1,637.00 (+3.54%) Homeowner's exemption | $127,519 | $276,498 Land $57,500 Building $218,998 |
| 2024 | $1,581.00 (+3.94%) | ||
| 2023 | $1,521.00 (+3.75%) Homeowner's exemption | $120,316 (+3%) | $281,559 (+2.25%) Land $57,500 Building $224,059 |
| 2022 | $1,466.00 Homeowner's exemption | $116,811 | $275,364 Land $57,500 Building $217,864 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3581 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 |
|
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 risk around 3581 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.
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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