Flagler County property record for 3628 S Central Ave, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,380 sqft · built 1986 |
| Lot Size | 0.036 acres (1,568 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $103,500 (May 2013) |
| Tax Bill | $4,103 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-12-32-4981-00000-0050 |
| Primary APN | 29-12-32-4981-00000-0050 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,380 sqft Living Area |
| Gross Area | 1,687 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Townhouse |
| Exterior Material | Wood |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 1,568 sqft (0.036 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 200 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3628 S CENTRAL AVE |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-4162 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM HAVEN SUBDIVISION PB 27 P 20, LOT 5 BLDG 6 UNIT 5 OR 348 PG 832 OR 652 PG 1081 OR 1212/213 OR 1940/1744 AND THAT 14.67 LYING WLY THEREOF BEING .005AC 1992/1011 |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 29 |
| Legal Subdivision | PALM HAVEN SUB |
| Legal Lot Number | 5 |
| Legal Unit | 5 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 60302 |
Source: Flagler County records, as of August 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 49 WEYANOKE LN, PALM COAST, FL 32164-7733 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE FINANCIAL INC |
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2013 · Amount on Record |
| Deed Sale | May 17, 2013 · Amount on Record |
| Prior Sale | Mar 8, 2005 · Amount on Record |
| Deed Document Number | 201316980 |
| Deed Book / Page | 1940 / 1744 |
| Last Transfer Date | Aug 14, 2013 |
| Transfer Doc | 0019600498 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3628 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4162 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 49 WEYNOKE LANE, HILLSBOROUGH, NJ 08844 |
| Document Number | 0026461749 |
|---|---|
| Date | Jan 7, 2022 |
| Book Page | 2646/1749 |
| Instrument | 2022001463 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Dec 17, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3628 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4162 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 49 WEYANOKE LN, PALM COAST, FL 32164-7733 |
| Document Number | 0025250754 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 2525/754 |
| Instrument | 2021006869 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | PALM COAST, FL 32164 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Jan 27, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,103.00 (+130.12%) | $219,024 (+141.1%) Land $57,500 Building $161,524 | $219,024 (+141.1%) Land $57,500 Building $161,524 |
| 2024 | $1,783.00 (+7.41%) | ||
| 2023 | $1,660.00 (-45.59%) | $90,842 (-47.52%) Land $57,500 Building $33,342 | $90,842 (-47.52%) Land $57,500 Building $33,342 |
| 2022 | $3,051.00 | $173,091 Land $57,500 Building $115,591 | $173,091 Land $57,500 Building $115,591 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 61% of the US · lower than 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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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