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

Flagler County property record for 808 S Central Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	1 ba · 992 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$391,500 (Nov 2020)
Tax Bill	$6,446 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-12-31-4500-00270-0090`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4500-00270-0090`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	992 sqft Living Area
Gross Area	1,242 sqft
1st Floor Area	992 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Detached
Garage Area	350 sqft
Driveway	Concrete Driveway
Driveway Area	621 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	808 S CENTRAL AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE MOODY SUBD BLK 27 LT 9 OR 493 PG 503(RMDMN BETTY J & ROBERT J HODOBA) OR 528 PG 646 & PG 647(DC&ACM) OR 1363 PG 1327 OR 1363 PG 1328 OR 1518/109 OR 1829/1031 OR 1834/1323 OR 1841/1594
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	GEORGE MOODY SUBD
Legal Block	27
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3024
Census Tract	60302

Owner

808 S Central Ave is owned by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	10335 ILAH RD, JACKSONVILLE, FL 32257-6417
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

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Jan 17, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on File
Deed Sale	Nov 18, 2020 · Amount on File
Prior Sale	Nov 15, 2011 · Amount on File
Deed Document Number	202047716
Deed Book / Page	2496 / 685
Prior Transfer Date	Dec 14, 2006
Prior Transfer Doc	0015180109
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	808 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3619
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022431170
Date	Nov 27, 2017
Book Page	2243/1170
Instrument	2017041346

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 18, 2020
Property Address	808 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3619
Document Number	0024960685
Book / Page	2496 / 685
Map Reference	MB 1 PG 24
Instrument Date	Oct 19, 2020
Instrument	2020047716
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OLDE FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,740.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	808 S CENTRAL AVE, 808, FLAGLER BEACH, FL 32136-3619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10335 LEAHY RD, JACKSONVILLE, FL 32246-3752

Mortgage

Document Number	0002496687
Date	Nov 18, 2020
Instrument	2496/687

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	808 S CENTRAL AVE, FLAGLER BEACH, FL 32136-3619
Document Number	0024150312
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	808 S CENTRAL AVE FLAGLER BEACH FL 321363619, FLAGLER BEACH, FL 32136-3619

Mortgage

Document Number	0024150312
Date	Jan 27, 2020
Book Page	002415/000312
Instrument	3232

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 26, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 808 S Central Ave was $6,446, up 8.3% 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	$6,446.00 (+8.32%)	$366,474 Land $243,500 Building $122,974	$366,474 Land $243,500 Building $122,974
2024	$5,951.00 (+11.99%)
2023	$5,314.00 (+6.49%)	$291,055 (+1.69%) Land $169,000 Building $122,055	$291,055 (+1.69%) Land $169,000 Building $122,055
2022	$4,990.00	$286,213 Land $169,000 Building $117,213	$286,213 Land $169,000 Building $117,213

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

Flood

FEMA maps place 808 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 808 S Central Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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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