40 Eagle Lake Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 40 Eagle Lake Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,093 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$249,100 (Feb 2018)
Tax Bill	$2,888 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`35-12-31-2010-00000-0460`

Property Details

APN / Parcel Number

Primary APN	`35-12-31-2010-00000-0460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,093 sqft Heated Area
Gross Area	2,749 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	490 sqft
Pool Area	235 sqft
Deck Area	385 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	40 EAGLE LAKE DR
City	FLAGLER BEACH
State	FL
Zip	32136-4382
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 46 OR 1908/123 OR 2052/671 OR 2132/1265 OR 2262/194
Legal Range	31E
Legal Township	12S
Legal Section	35
Legal Subdivision	EAGLE LAKES
Legal Phase	1
Legal Lot Number	46
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2030
Census Tract	60304

Owner

Source: Flagler County records · APN 35-12-31-2010-00000-0460

Assessment roll updated July 1, 2025 · Last verified January 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 File
Co-owner	Verified Secondary Owner
Mailing Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Aug 27, 2019	Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK
Feb 28, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2018 · Amount on Record
Deed Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	2018007186
Deed Book / Page	2262 / 0194
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Transaction Type	Mortgage
Record Updated	Mar 06, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382

Mortgage

Document Number	0027551752
Date	Feb 10, 2023
Book Page	2755/1752
Instrument	2023005376

Lender

Name	AMERIS BANK
Type	Bank
Address	PALM COAST, FL 32164

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 27, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382

Mortgage

Document Number	0025101084
Date	Dec 30, 2020
Book Page	2510/1084
Instrument	2020055034

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023791930
Date	Aug 27, 2019
Book Page	2379/1930
Instrument	2019032050

Lender

Name	AMERIS BANK
Type	Bank
Address	GAINESVILLE, FL 32614

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 02, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 28, 2018
Property Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Document Number	0022620194
Book / Page	2262 / 0194
Map Reference	MB36 PG10-20
Instrument Date	Feb 23, 2018
Instrument	2018007186
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022
Title Company	SOUTHERN TITLE HOLDING CO LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 EAGLE LAKE DR, FLAGLER BEACH, FL 32136-4382
Investor	Possibly a Property Investor

Mortgage

Document Number	2018007187
Date	Feb 28, 2018
Instrument	2018007187

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,888.00 (-8.58%) Homeowner's exemption Widower's exemption	$251,057 (+5.99%)	$353,481 (+0.36%) Land $75,000 Building $278,481
2023	$3,159.00 (+4.15%) Homeowner's exemption Widower's exemption	$236,876 (+3%)	$352,225 (+3.98%) Land $75,000 Building $277,225
2022	$3,033.00 Homeowner's exemption	$229,976	$338,739 Land $75,000 Building $263,739

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 116 locations within half a mile of this property.

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