435 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 435 Lambert Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,187 sqft · built 1989
Lot Size	1.99 acres (87,033 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Sep 2006)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Mar 2022 Reverse Mortgage Jan 2022 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`11-12-31-5325-00000-0100`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0100`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,187 sqft Living Area
Gross Area	3,400 sqft
1st Floor Area	2,187 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	87,033 sqft (1.99 acres)
Garage Type	Carport
Carport	Carport
Driveway	Concrete Driveway
Driveway Area	4,224 sqft
Pool Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	435 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOTS 10 & 11 MB 27 P 15 OR BOOK 377 PG 574 OR 479 PG 51 OR 1266 PG 1953 (EXC THE SLY 40 OF LOT 10 OR 1482/32 TO DEAL)
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBD
Legal Lot Number	10
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3024
Census Tract	60301

Owner

Source: Flagler County assessment roll, 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	2 Individual Names on File
Mailing Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Reverse Mortgage ALL REVERSE MORTGAGE INC
Jan 3, 2022	Intrafamily Transfer, Transfer ATTORNEY
Oct 25, 2019	Deed of Trust, Mortgage · Reverse Mortgage ALL REVERSE MORTGAGE INC
Oct 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 8, 2006 · Amount on Record
Deed Sale	Sep 8, 2006 · Amount on Record
Prior Sale	Jun 17, 2005 · Amount on Record
Deed Document Number	200645788
Deed Book / Page	1482 / 32
Last Transfer Date	Dec 30, 2021
Transfer Doc	0026440644
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202

Mortgage

Document Number	0026661650
Date	Mar 11, 2022
Book Page	2666/1650
Instrument	2022012982

Lender

Name	ALL REVERSE MORTGAGE INC
Type	Reverse Mortgage Lender
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	856 Months
Due	Jul 14, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.85%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Jan 3, 2022
Property Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Document Number	0026440644
Book / Page	2644 / 644
Map Reference	MB 27 PG 15-17
Instrument Date	Dec 30, 2021
Instrument	2022000189
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1580 LAMBERT AVE, 1580, FLAGLER BEACH, FL 32136-3009

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	429 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023931884
Date	Oct 25, 2019
Book Page	2393/1884
Instrument	2019039837

Lender

Name	ALL REVERSE MORTGAGE INC
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	885 Months
Due	Jul 14, 2093

Interest

Rate Type	Adjustable Rate
Rate	3.58%
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	435 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Document Number	0023931900
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	435 LAMBERT AVE FLAGLER BEACH FL 321363202, FLAGLER BEACH, FL 32136-3202

Mortgage

Document Number	0023931900
Date	Oct 25, 2019
Book Page	002393/001900
Instrument	39838

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Oct 24, 2093

Interest

Rate Type	Adjustable Rate
Rate	3.58%

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	$3,281.00 (+6.98%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$252,957 (+5.99%)	$518,287 (-6.96%) Land $253,219 Building $265,068
2023	$3,067.00 (+3.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$238,668 (+3%)	$557,088 (+12.43%) Land $273,750 Building $283,338
2022	$2,960.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Additional exemption filed	$231,716	$495,486 Land $220,500 Building $274,986

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

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	3.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 257 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	38 (2016–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Sep 2017 · 18 claims Hurricane Matthew, Oct 2016 · 4 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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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