609 N Central Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 609 N Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,609 sqft · built 2019
Lot Size	0.164 acres (7,122 sqft)
Owner	2 Company Names on Record
Last Sale	$35,000 (Jan 1996)
Tax Bill	$6,702 (2025)
Deeds & Mortgages	Feb 2023 Transfer Apr 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-12-31-4500-00400-0020`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4500-00400-0020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,609 sqft Living Area
Gross Area	3,011 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,122 sqft (0.164 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	609 N CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE MOODY SUBD BLOCK 40 LOT 2 & N 1/2 OF LOT 9 OR 104 PG 302 OR 255 PG 501 OR 396 PG 766 OR 547 PG 1745 OR 2348/97-DC-WILLIAM
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	GEORGE MOODY SUBD
Legal Block	40
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1039
Census Tract	60302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Apr 11, 2019	Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK
Feb 26, 2020	Loan Modification, Mortgage · Conventional Mortgage AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 1996 · Amount on Record
Deed Sale	Jan 19, 1996 · Amount on Record
Deed Book / Page	547 / 1745
Last Transfer Date	Jan 30, 2023
Transfer Doc	0027540816
Record Updated	Jun 8, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Feb 3, 2023
Property Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392
Document Number	0027540816
Book / Page	2754 / 816
Map Reference	MB 1 PG 24
Instrument Date	Jan 30, 2023
Instrument	2023004366
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023480098
Date	Apr 11, 2019
Book Page	2348/0098
Instrument	2019012832

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.25%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.25%
Index	1-Year LIBOR
Max Rate	9.25%

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	609 N CENTRAL AVE, FLAGLER BEACH, FL 32136-3392
Document Number	0024251265
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 N CENTRAL AVE FLAGLER BEACH FL 32136, FLAGLER BEACH, FL 32136

Mortgage

Document Number	0024251265
Date	Mar 5, 2020
Book Page	002425/001265
Instrument	9245

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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	$6,702.00 (+2.92%) Homeowner's exemption Widower's exemption	$391,774 (+5.99%)	$641,150 (+20.94%) Land $261,500 Building $379,650
2024	$6,512.00 (+2.73%)
2023	$6,339.00 (+1.18%) Homeowner's exemption Widower's exemption	$369,644 (+3%)	$530,158 (+2.17%) Land $175,500 Building $354,658
2022	$6,265.00 Homeowner's exemption Widower's exemption	$358,878	$518,882 Land $175,500 Building $343,382

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 270 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	272 units insured incl. 2 condo units
Nearby Flood Claims	281 (1984–2024)
Claims Outside the SFHA	50 of 281
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 58 claims Hurricane Ian, Oct 2022 · 9 claims Hurricane Irma, Sep 2017 · 168 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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