5 Creek Bluff Run, Flagler Beach, FL 32136 Property Records

Flagler County property record for 5 Creek Bluff Run, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,601 sqft · built 1987
Lot Size	1.46 acres (63,990 sqft)
Owner	2 Trust Names on File
Last Sale	$187,000 (May 1998)
Tax Bill	$2,093 (2025)
Deeds & Mortgages	May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`37-12-31-0612-00000-0090`

Property Details

APN / Parcel Number

Primary APN	`37-12-31-0612-00000-0090`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,601 sqft Living Area
Gross Area	3,789 sqft
1st Floor Area	2,601 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	63,990 sqft (1.46 acres)
Driveway	Concrete Driveway
Driveway Area	2,326 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5 CREEK BLUFF RUN
City	FLAGLER BEACH
State	FL
Zip	32136-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BULOW WOODS UNIT 3 LOT 9 OR 156 PG 321 OR 613 PG 1919
Legal Range	31E
Legal Township	12S
Legal Section	37
Legal Subdivision	BULOW WOODS UNIT 3
Legal Lot Number	9
Legal Unit	3
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1015
Census Tract	60304

Owner

5 Creek Bluff Run is owner-occupied and held in a trust since August 2024.

Source: Flagler County records, as of December 8, 2025

Owner of Record	2 Trust Names on File
Mailing Address	5 CREEK BLUFF RUN, FLAGLER BEACH, FL 32136-5105
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 1998 · Amount on File
Deed Sale	May 4, 1998 · Amount on File
Deed Book / Page	613 / 1919
Last Transfer Date	Aug 20, 2024
Transfer Doc	0028941651
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	5 CREEK BLUFF RUN, FLAGLER BEACH, FL 32136-5105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022801401
Date	May 21, 2018
Book Page	2280/1401
Instrument	2018018819

Lender

Name	PNC BANK NA
Type	Bank
Address	FLAGLER BEACH, FL 32136

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 9, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5 Creek Bluff Run was $2,093, down 14.9% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$2,093.00 (-14.88%)	$189,561	$505,182 Land $163,000 Building $342,182
2024	$2,459.00 (+2.37%)
2023	$2,402.00 (+8.15%) Homeowner's exemption	$178,854 (+3%)	$389,360 (+0.98%) Land $95,000 Building $294,360
2022	$2,221.00 Homeowner's exemption	$173,645	$385,588 Land $95,000 Building $290,588

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

Flood

FEMA maps place 5 Creek Bluff Run in Zone X, an area of minimal flood risk, though there have been 69 flood claims nearby since 1995.

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 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 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 5 Creek Bluff Run is high, ranking above 83% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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 System	BEVERLY BEACH WATER SYSTEM private · serves 1,413 people · EPA ID FL2180002
Water Source	Groundwater
Last State Inspection	May 2024
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2020 Haloacetic acids resolved · Apr 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35