445 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 445 Lambert Ave, Flagler Beach, FL 32136 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2004
Square Footage	2,857 sqft Heated Area
Lot Size	57,369 sqft (1.31 acres)
Occupancy	Owner Occupied
Last Sale	$392,500 (2013)
Tax Bill	$6,831.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0120`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Building Area	2,857 sqft Heated Area
Gross Area	4,439 sqft Gross Area
Stories	1 Story
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	57,369 sqft (1.31 acres)
Driveway	Driveway
Driveway Area	2,276 sqft Driveway
Pool Type	Enclosed Pool
Pool Area	448 sqft Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	445 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOT 12 MB 27 P 15 OR 365 PG 363 OR 560 PG 191 OR 754/727 OR 1974/ 1905
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBDIVISION
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3024
Census Tract	60301

Owner

Source: Flagler County records · APN 11-12-31-5325-00000-0120

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	2 Owner Names on File
Mailing Address	445 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 12, 2013 · Amount on Record
Deed Sale	Nov 12, 2013 · Amount on Record
Prior Sale	Jul 02, 2001 · Amount on Record
Deed Document Number	2013038749
Deed Book / Page	1974 / 1905
Record Updated	Jun 08, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	445 LAMBERT AVE, FLAGLER BEACH, FL 32136-3202
Document Number	0022710325
Instrument Date	Mar 29, 2018
Transaction Type	Mortgage
Record Updated	May 01, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 LAMBERT AVE FLAGLER BEACH FL 321363202, FLAGLER BEACH, FL 32136-3202

Mortgage

Document Number	0022710325
Date	Apr 10, 2018
Book Page	002271/000325
Instrument	12910

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 09, 2048

Interest

Rate Type	Adjustable Rate

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
Municipality	Flagler Beach City
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	$6,831.00 (+5.61%) Homeowner's exemption	$393,368 (+5.99%)	$662,060 (+7.16%) Land $182,500 Building $479,560
2023	$6,468.00 (+2.6%) Homeowner's exemption	$371,148 (+3%)	$617,835 (+9.43%) Land $182,500 Building $435,335
2022	$6,304.00 Homeowner's exemption	$360,337	$564,595 Land $147,000 Building $417,595

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	3.0 ft

Wildfire

Wildfire Risk	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	About 1 in 559 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.