3648 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 3648 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,362 sqft · built 1992
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jan 2023)
Tax Bill	$8,619 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-12-32-4982-00000-0040`

Property Details

APN / Parcel Number

Primary APN	`29-12-32-4982-00000-0040`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,362 sqft Living Area
Gross Area	3,532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Driveway	Concrete Driveway
Driveway Area	700 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3648 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HAVEN REPLAT II LOT 4 OR 439 PG 281 OR 462 PG 978 OR 1690/985
Legal Range	32E
Legal Township	12S
Legal Section	29
Legal Subdivision	PALM HAVEN REPLAT II
Legal Lot Number	4
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 December 8, 2025

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	3648 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Prior Sale	Aug 17, 2010 · Amount on Record
Deed Document Number	20232421
Deed Book / Page	2751 / 1097
Prior Transfer Date	Nov 12, 2008
Prior Transfer Doc	0016900985
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 19, 2023
Property Address	3648 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4117
Document Number	0027511097
Book / Page	2751 / 1097
Map Reference	MB 29 PG 16
Instrument Date	Jan 13, 2023
Instrument	2023002421
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	FLORIDA CLOSING COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 ROUND HILL RD, KINNELON, NJ 07405-3218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3648 S CENTRAL AVE, FLAGLER BEACH, FL 32136-4117

Mortgage

Document Number	0027511099
Date	Jan 19, 2023
Book Page	2751/1099
Instrument	2023002422

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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	$8,619.00 (-16.3%) Homeowner's exemption Senior Citizen's exemption	$521,218 (+122.18%) Land $150,000 Building $371,218	$521,218 (+6.44%) Land $150,000 Building $371,218
2024	$10,297.00 (+180.11%)
2023	$3,676.00 (+0.44%) Homeowner's exemption Widower's exemption	$234,593 (+3%)	$489,702 (+7.14%) Land $150,000 Building $339,702
2022	$3,660.00 Homeowner's exemption Widower's exemption	$227,760	$457,054 Land $127,500 Building $329,554

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.

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