604 S Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 604 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,517 sqft · built 2001
Lot Size	0.055 acres (2,396 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2013)
Tax Bill	$7,811 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-12-31-2550-00000-0070`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-2550-00000-0070`

Interior

Full Baths	3 Baths
Stories	3 Stories
Building Area	1,517 sqft Living Area
Gross Area	2,290 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Architectural Style	Townhouse
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,396 sqft (0.055 acres)
Driveway	Concrete Driveway
Driveway Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	604 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3695
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLAGLER SEA COTTAGES LOT 7 OR 760 PG 106 OR 1135 PG 944 OR 1951/839-CD OR 1951/840
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	FLAGLER SEA COTTAGES
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3104
Census Tract	60302

Owner

604 S Central Ave is owned by two individuals who bought it in July 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	2054 ROBERTS POINT DR, WINDERMERE, FL 34786-5807
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2013 · Amount on File
Deed Sale	Jul 8, 2013 · Amount on File
Prior Sale	Jul 31, 2001 · Amount on File
Deed Document Number	201323564
Deed Book / Page	1951 / 840
Prior Transfer Date	Jun 28, 2013
Prior Transfer Doc	0019510839
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	604 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3695
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2054 ROBERTS POINT DR, WINDERMERE, FL 34786-5807

Mortgage

Document Number	0025560306
Date	Apr 29, 2021
Book Page	2556/306
Instrument	2021023215

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 604 S Central Ave was $7,811, up 2% from the year before.

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	$7,811.00 (+1.98%)	$399,873 Land $85,000 Building $314,873	$399,873 Land $85,000 Building $314,873
2024	$7,659.00 (+6.17%)
2023	$7,214.00 (+6.7%)	$403,875 (+2.5%) Land $85,000 Building $318,875	$403,875 (+2.5%) Land $85,000 Building $318,875
2022	$6,761.00	$394,026 Land $85,000 Building $309,026	$394,026 Land $85,000 Building $309,026

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

Flood

FEMA maps place 604 S Central Ave in Zone X, an area of minimal flood risk, within 500 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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 239 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	253 units insured incl. 14 condo units
Nearby Flood Claims	200 (1991–2024)
Claims Outside the SFHA	35 of 200
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 38 claims Hurricane Irma, Sep 2017 · 91 claims Hurricane Frances, Sep 2004 · 22 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 604 S Central Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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