45 Turtle Ridge Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 45 Turtle Ridge Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,153 sqft · built 2017
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$263,900 (Dec 2017)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`35-12-31-2010-00000-0120`

Property Details

APN / Parcel Number

Primary APN	`35-12-31-2010-00000-0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,153 sqft Heated Area
Gross Area	2,924 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
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	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	45 TURTLE RIDGE DR
City	FLAGLER BEACH
State	FL
Zip	32136-4383
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 12 OR 1908/123 OR 1915/205-AMD CT OR 2052/671 OR 2132/1265 OR 2249/1530
Legal Range	31E
Legal Township	12S
Legal Section	35
Legal Subdivision	EAGLE LAKES
Legal Phase	1
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2030
Census Tract	60304

Owner

45 Turtle Ridge Dr is owned and occupied by two individuals who bought it in December 2017.

Source: Flagler County records, as of December 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	45 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Dec 29, 2017	Grant Deed, Subdivision Related Transfer SOUTHERN TITLE HOLDINGS COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on File
Deed Sale	Dec 29, 2017 · Amount on File
Deed Document Number	2017045183
Deed Book / Page	2249 / 1530
Record Updated	Jun 8, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	45 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023030578
Date	Aug 30, 2018
Book Page	2303/0578
Instrument	2018033106

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 29, 2017
Property Address	45 TURTLE RIDGE DR, FLAGLER BEACH, FL 32136-4383
Document Number	0022491530
Book / Page	002249 / 001530
Instrument Date	Dec 22, 2017
Instrument	45183
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 10, 2018
Title Company	SOUTHERN TITLE HOLDINGS COMPANY LLC

Transaction

Amount	Amount on Record
Tax	$1,847.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 TURTLE RIDGE DR FLAGLER BEACH FL 321364383, FLAGLER BEACH, FL 32136-4383

Tax Assessment & Valuation

The 2025 property tax bill for 45 Turtle Ridge Dr was $2,122 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$2,122.00 Homeowner's exemption	$191,625	$335,659 Land $75,000 Building $260,659
2023	$2,430.00 (+8.1%) Homeowner's exemption	$180,800 (+3%)	$326,939 (+2.5%) Land $75,000 Building $251,939
2022	$2,248.00 Homeowner's exemption	$175,534	$318,955 Land $75,000 Building $243,955

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

Flood

FEMA maps place 45 Turtle Ridge Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2016.

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 File 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

Wildfire risk around 45 Turtle Ridge Dr is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 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	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet, Verizon.

Nearby Properties on Turtle Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures