Flagler County property record for 617 Cumberland Dr, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,902 sqft · built 1998 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $353,500 (Apr 2019) |
| Tax Bill | $7,390 (2025) |
| Deeds & Mortgages | Sep 2020 Line of Credit Aug 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 19-12-32-4550-00300-0140 |
| Primary APN | 19-12-32-4550-00300-0140 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,902 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,498 sqft (0.241 acres) |
| Lot Width | 75 ft Width |
| Driveway | Driveway |
| Driveway Area | 780 sqft |
| Boat House | 23 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 617 CUMBERLAND DR |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-4033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORNINGSIDE SUB DIV BLK 30 LOT 14 OR 315 PG 02 OR 600 PG 645 OR 754/1541 OR 2351/942 |
| Legal Range | 32E |
| Legal Township | 12S |
| Legal Section | 19 |
| Legal Subdivision | MORNINGSIDE SUB |
| Legal Block | 30 |
| Legal Lot Number | 14 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 60302 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 617 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 31, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Apr 30, 2019 | Warranty Deed, Transfer · ARM PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on Record |
| Deed Sale | Apr 30, 2019 · Amount on Record |
| Prior Sale | Jul 3, 2001 · Amount on Record |
| Deed Document Number | 2019015142 |
| Deed Book / Page | 2351 / 0942 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 617 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024721303 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 2472/1303 |
| Instrument | 2020034502 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 617 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024721168 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 2472/1168 |
| Instrument | 2020034476 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 2, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 30, 2019 |
| Property Address | 617 CUMBERLAND DR, FLAGLER BEACH, FL 32136-4033 |
| Document Number | 0023510942 |
| Book / Page | 2351 / 0942 |
| Map Reference | MB 5 PG 16-19 |
| Instrument Date | Apr 15, 2019 |
| Instrument | 2019015142 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,474.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 RADCLIFFE DR, 97, PALM COAST, FL 32164-5008 |
| Name | Verified Name |
|---|---|
| Address | 1609 MAJESTIC WOODS PL, LOUISVILLE, KY 40245-6500 |
| Document Number | 2019015143 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 2019015143 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,390.00 (+5.93%) Homeowner's exemption | $422,007 (+6.32%) | $585,696 (+5.6%) Land $145,500 Building $440,196 |
| 2023 | $6,976.00 (+2.57%) Homeowner's exemption | $396,923 (+3%) | $554,614 (+3.01%) Land $145,500 Building $409,114 |
| 2022 | $6,801.00 Homeowner's exemption | $385,362 | $538,398 Land $145,500 Building $392,898 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 258 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 589 units insured incl. 331 condo units |
| Nearby Flood Claims | 316 (1982–2024) |
| Claims Outside the SFHA | 54 of 316 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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