685 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 685 Lambert Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,630 sqft · built 2017
Lot Size	1.34 acres (58,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Sep 2016)
Tax Bill	$9,730 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`11-12-31-5325-00000-0190`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,630 sqft Living Area
Gross Area	4,132 sqft
1st Floor Area	2,630 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	58,719 sqft (1.34 acres)
Driveway	Brick Driveway
Driveway Area	1,204 sqft
Pool Area	1,260 sqft
Deck Area	752 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	685 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOT 19 MB 27 P 15 OR 258 PG 377 OR 894/1423 OR 1827/1557 OR 2159/1671
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBD
Legal Lot Number	19
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3024
Census Tract	60301

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 Individual Names on Record
Mailing Address	685 LAMBERT AVE, FLAGLER BEACH, FL 32136-3227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2016 · Amount on Record
Deed Sale	Sep 27, 2016 · Amount on Record
Prior Sale	Feb 5, 2003 · Amount on Record
Deed Document Number	201631549
Deed Book / Page	2159 / 1671
Prior Transfer Date	Aug 4, 2011
Prior Transfer Doc	0018271557
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	685 LAMBERT AVE, FLAGLER BEACH, FL 32136-3227
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 LAMBERT AVE, FLAGLER BEACH, FL 32136-3227

Mortgage

Document Number	0025381913
Date	Mar 16, 2021
Book Page	2538/1913
Instrument	2021013860

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	685 LAMBERT AVE, FLAGLER BEACH, FL 32136-3227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOUTHERN TITLE HOLDING CO LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021811701
Date	Jan 18, 2017
Book Page	2181/1701
Instrument	2017002172

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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	$9,730.00 (+2.8%) Homeowner's exemption	$541,795 (+5.99%)	$806,238 (+8.37%) Land $182,500 Building $623,738
2024	$9,465.00 (+2.56%)
2023	$9,229.00 (+2.48%) Homeowner's exemption	$511,190 (+3%)	$743,992 (+9.09%) Land $182,500 Building $561,492
2022	$9,006.00 Homeowner's exemption	$496,301	$682,018 Land $147,000 Building $535,018

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	3.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 257 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	257 in force
Nearby Flood Claims	38 (2016–2024)
Claims Outside the SFHA	2 of 38
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Sep 2017 · 18 claims Hurricane Matthew, Oct 2016 · 4 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	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.2% 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	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 155 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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