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45 Pebble Beach Cir, Flagler Beach, FL 32136 Property Records

Flagler County property record for 45 Pebble Beach Cir, Flagler Beach, FL 32136

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,580 sqft · built 1989
Lot Size0.11 acres (4,796 sqft)
OwnerIndividual Name on File
Last Sale$460,000 (Jun 2025)
Tax Bill$5,687 (2024)
Deeds & MortgagesJul 2023 Sale & Mortgage
May 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN19-12-32-5060-00000-0450

Property Details

APN / Parcel Number

Primary APN19-12-32-5060-00000-0450

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,580 sqft Living Area
Gross Area2,318 sqft
1st Floor Area1,580 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1994
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,796 sqft (0.11 acres)
DrivewayConcrete Driveway
Driveway Area368 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address45 PEBBLE BEACH CIR
CityFLAGLER BEACH
StateFL
Zip32136-4013
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPEBBLE BEACH VILLAGE SUBD LOT 45 SUBJECT TO OR 123 PGS 63 THRU 86& OR 141 PGS 656-657 OR 155 PG 188 OR 166 PG 279(QC) OR 225 PG 56 & 57OR 389 PG 405 & 406 OR 718 PG 253 OR 804 PG 806 OR 1634/1355 OR 2097/523
Legal Range32E
Legal Township12S
Legal Section19
Legal SubdivisionPEBBLE BEACH VILLAGE
Legal Lot Number45
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group2
Census Block2015
Census Tract60302

Owner

45 Pebble Beach Cir is owned by an individual who bought it in June 2025.

Source: Flagler County records, as of March 6, 2026

Owner of RecordIndividual Name on File
Mailing Address39 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013
Owner TypeIndividual

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

DateDocument
Jul 31, 2023Warranty Deed, Transfer · Conventional Mortgage
VYSTAR CU
May 5, 2022Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Apr 20, 2018Deed of Trust, Mortgage · Commercial Mortgage
SUNTRUST BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 17, 2025 · Amount on File
Deed SaleJun 17, 2025 · Amount on File
Prior SaleJul 31, 2023 · Amount on File
Deed Document Number202525246
Deed Book / Page2968 / 1310
Prior Transfer DateApr 28, 2022
Prior Transfer Doc0026840775
Record UpdatedSep 20, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 31, 2023
Property Address45 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013
Document Number0028010349
Book / Page2801 / 349
Map ReferenceMB 26 PG 25
Instrument DateJul 28, 2023
Instrument2023033166
Transaction TypeTransfer
Record UpdatedAug 16, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,185.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address45 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013

Transferred To (Grantee/Buyer)

NameVerified Name
Address67 BEACHWOOD DR, FLAGLER BEACH, FL 32136-4043

Mortgage

Document Number0002801351
DateJul 31, 2023
Instrument2801/351
Lender
NameVYSTAR CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term181 Months
DueAug 1, 2038

May 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFLAGLER FL
Recording DateMay 5, 2022
Property Address45 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013
Document Number0026840775
Book / Page2684 / 775
Map ReferenceMB 26 PG 25
Instrument DateApr 28, 2022
Instrument2022023365
Transaction TypeTransfer
Record UpdatedMay 24, 2022
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address45 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address45 PEBBLE BEACH CIR, FLAGLER BEACH, FL 32136-4013
Transaction TypeMortgage
Record UpdatedSep 14, 2021
Title CompanyAMERICAN TITLE INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0022731077
DateApr 20, 2018
Book Page2273/1077
Instrument2018014396
Lender
NameSUNTRUST BANK
TypeBank
AddressBIRMINGHAM, AL 35209
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityFlagler Beach City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$348,074$358,696 Land $100,000 Building $258,696
2024$5,687.00 (+115.91%)
2023$2,634.00 (+3.13%) Homeowner's exemption$176,744 (+3%)$311,048 (+1.04%) Land $100,000 Building $211,048
2022$2,554.00 Homeowner's exemption$171,596$307,845 Land $100,000 Building $207,845

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

FEMA maps place 45 Pebble Beach Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 258 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies589 units insured
incl. 331 condo units
Nearby Flood Claims316 (1982–2024)
Claims Outside the SFHA54 of 316
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Nicole, Nov 2022 · 57 claims
  • Hurricane Irma, Oct 2017 · 161 claims
  • Hurricane Frances, Sep 2004 · 30 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 45 Pebble Beach Cir is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 73% of the US · above 58% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemFLAGLER BEACH WTP
serves 4,830 people · EPA ID FL2180349
Water SourceGroundwater
Last State InspectionJun 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 273 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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