37 Turtle Ridge Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 37 Turtle Ridge Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,967 sqft · built 2017
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$339,425 (Sep 2017)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-12-31-2010-00000-0080`

Property Details

APN / Parcel Number

Primary APN	`35-12-31-2010-00000-0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,967 sqft Heated Area
Gross Area	4,110 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	750 sqft
Pool Type	Enclosed Pool
Pool Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	37 TURTLE RIDGE DR
City	FLAGLER BEACH
State	FL
Zip	32136-4383
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	EAGLE LAKES-PHASE I-SECTION I MB 36 PG 10 LOT 8 OR 1908/123 OR 1915/205-AMD CT OR 2052/671 OR 2052/695 OR 2229/28
Legal Range	31E
Legal Township	12S
Legal Section	35
Legal Subdivision	EAGLE LAKES
Legal Phase	1
Legal Lot Number	8
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2030
Census Tract	60304

Owner

37 Turtle Ridge Dr is owned and occupied by an individual who bought it in September 2017.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit JETSTREAM FCU
Jul 6, 2023	Deed of Trust, Mortgage · Line of Credit JETSTREAM FCU
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 6, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2017 · Amount on File
Deed Sale	Sep 6, 2017 · Amount on File
Prior Sale	Mar 10, 2015 · Amount on File
Deed Document Number	2017031634
Deed Book / Page	2229 / 0028
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383

Mortgage

Document Number	0028231655
Date	Oct 30, 2023
Book Page	2823/1655
Instrument	2023047372

Lender

Name	JETSTREAM FCU
Type	Credit Union
Address	HIALEAH, FL 33016

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	312 Months
Due	Oct 29, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Transaction Type	Mortgage
Record Updated	Jul 26, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383

Mortgage

Document Number	0027940350
Date	Jul 6, 2023
Book Page	2794/350
Instrument	2023028932

Lender

Name	JETSTREAM FCU
Type	Credit Union
Address	HIALEAH, FL 33016

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383

Mortgage

Document Number	0024861754
Date	Oct 19, 2020
Book Page	2486/1754
Instrument	2020042315

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

September 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 6, 2017
Property Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Document Number	0022290028
Book / Page	2229 / 0028
Map Reference	MB36 PG10-20
Instrument Date	Aug 30, 2017
Instrument	2017031634
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022
Title Company	STEEL CITY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,376.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5220 SHAD RD STE 202, 5220, JACKSONVILLE, FL 32257-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383

Mortgage

Document Number	2017031635
Date	Sep 6, 2017
Instrument	2017031635

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 37 Turtle Ridge Dr was $2,786 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,786.00 Homeowner's exemption	$238,775	$466,501 Land $75,000 Building $391,501
2023	$3,065.00 (+6.76%) Homeowner's exemption	$225,287 (+3%)	$465,333 (+3.87%) Land $75,000 Building $390,333
2022	$2,871.00 Homeowner's exemption	$218,725	$447,997 Land $75,000 Building $372,997

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 37 Turtle Ridge Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2016.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 64 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	64 in force
Nearby Flood Claims	8 (2016–2024)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 6 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

Wildfire risk around 37 Turtle Ridge Dr is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · Fixed Wireless	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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