3630 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 3630 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,380 sqft · built 1986
Lot Size	0.036 acres (1,568 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2026)
Tax Bill	$3,969 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-12-32-4981-00000-0060`

Property Details

APN / Parcel Number

Primary APN	`29-12-32-4981-00000-0060`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	1,629 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2003
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

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3630 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HAVEN SUBDIVISION PB 27 P 20, LOT 6 BLDG 6 UNIT 6 OR 340 PG 379 OR 357 PG 16 OR 613 PG 1338 OR 1223 PG 135 AND 14.67 LYING WLY THEREOF BEING .005 AC 1942/1270 1987/959-BLA OR 1989/1556
Legal Range	32E
Legal Township	12S
Legal Section	29
Legal Subdivision	PALM HAVEN SUB
Legal Lot Number	6
Legal Unit	6
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2019
Census Tract	60302

Owner

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	2 Individual Names on Record
Mailing Address	6281 HIGHWAY 145, CARNESVILLE, GA 30521-4120
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Feb 13, 2014 · Amount on Record
Deed Document Number	202630304
Deed Book / Page	3074 / 573
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 24, 2026
Property Address	3630 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4117
Document Number	0000030304
Book / Page	3074 / 573
Instrument Date	Jul 22, 2026
Instrument	202630304
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SOUTHERN TITLE, SOUTHERN TITLE HOLDINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$212,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6281 HIGHWAY 145, CARNESVILLE, GA 30521-4120

Mortgage

Document Number	0000030305,
Date	Jul 24, 2026
Instrument	202630305

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$3,969.00 (+144.85%)	$214,481 (+144.26%) Land $57,500 Building $156,981	$214,481 (+144.26%) Land $57,500 Building $156,981
2023	$1,621.00 (-46.22%)	$87,808 (-49.09%) Land $57,500 Building $30,308	$87,808 (-49.09%) Land $57,500 Building $30,308
2022	$3,014.00	$172,490 Land $57,500 Building $114,990	$172,490 Land $57,500 Building $114,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	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

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.

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