4 Saint Charles Pl, Flagler Beach, FL 32136 Property Records

Flagler County property record for 4 Saint Charles Pl, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,527 sqft · built 2003
Lot Size	0.353 acres (15,377 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,500 (Aug 2023)
Tax Bill	$6,147 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-12-31-1925-00000-0150`

Property Details

APN / Parcel Number

Primary APN	`37-12-31-1925-00000-0150`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,527 sqft Living Area
Gross Area	3,822 sqft
1st Floor Area	2,527 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,377 sqft (0.353 acres)
Driveway	Concrete Driveway
Driveway Area	1,028 sqft
Pool Area	364 sqft
Deck Area	676 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 SAINT CHARLES PL
City	FLAGLER BEACH
State	FL
Zip	32136-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	FAIRCHILD OAKS PHASE I LOT 15 MB 31 PG 2 (EXC .002 AC 678/1412) OR 726 PG 1881 OR 946 PG 231
Legal Range	31E
Legal Township	12S
Legal Section	37
Legal Subdivision	FAIRCHILD OAKS
Legal Phase	1
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2002
Census Tract	60304

Owner

Source: Flagler County records, as of February 26, 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	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 23, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPACE COAST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Feb 5, 2001 · Amount on Record
Deed Document Number	202337393
Deed Book / Page	2807 / 1337
Prior Transfer Date	Jun 10, 2003
Prior Transfer Doc	0009460231
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903

Mortgage

Document Number	0030291636
Date	Feb 13, 2026
Book Page	3029/1636
Instrument	2026006468

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 28, 2023
Property Address	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903
Document Number	0028071337
Book / Page	2807 / 1337
Map Reference	MB 31 PG 2&3
Instrument Date	Aug 22, 2023
Instrument	2023037393
Transaction Type	Transfer
Record Updated	Sep 8, 2023
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,588.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1214, FLAGLER BEACH, FL 32136-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4ST CHARLES PACE, FLAGLER BEACH, FL 32136

Mortgage

Document Number	0028071339
Date	Aug 28, 2023
Instrument	2807/1339

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903
Transaction Type	Mortgage
Record Updated	Apr 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SAINT CHARLES PL, FLAGLER BEACH, FL 32136-4903

Mortgage

Document Number	0027651084
Date	Mar 23, 2023
Book Page	2765/1084
Instrument	2023011547

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Feb 25, 2043

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$6,147.00 (-4.13%)	$477,389 (+75.02%)	$535,093 (+16.33%) Land $83,000 Building $452,093
2024	$6,412.00 (+71.35%)
2023	$3,742.00 (+5.83%) Homeowner's exemption	$272,756 (+3%)	$459,989 (+3.78%) Land $78,000 Building $381,989
2022	$3,536.00 Homeowner's exemption	$264,812	$443,255 Land $78,000 Building $365,255

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	VC/HALIFAX PLANTATION (WTP-8) serves 6,630 people · EPA ID FL3644123
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 248 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 in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

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