965 Lambert Ave, Flagler Beach, FL 32136 Property Records

Flagler County property record for 965 Lambert Ave, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,158 sqft · built 1999
Lot Size	1.31 acres (57,369 sqft)
Owner	2 Individuals on Record
Last Sale	$590,000 (Jul 2026)
Tax Bill	$2,904 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`11-12-31-5325-00000-0300`

Property Details

APN / Parcel Number

Primary APN	`11-12-31-5325-00000-0300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,158 sqft Living Area
Gross Area	2,955 sqft
1st Floor Area	2,158 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	57,369 sqft (1.31 acres)
Driveway	Concrete Driveway
Driveway Area	828 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	965 LAMBERT AVE
City	FLAGLER BEACH
State	FL
Zip	32136-3039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION LOT 30 MB 27 P 15 OR 298 PG 913 OR 590 PG 126-DC OR 645 PG 162-ACM OR 645 PG 163 OR 1882/439 OR 1886/1856 OR 1977/597 OR 2179/268
Legal Range	31E
Legal Township	12S
Legal Section	11
Legal Subdivision	RIVER OAKS SUBD
Legal Lot Number	30
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3024
Census Tract	60301

Owner

Source: Flagler County assessment roll, 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 Individuals on Record
Mailing Address	965 LAMBERT AVE, FLAGLER BEACH, FL 32136-3039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES
Jan 5, 2017	Warranty Deed, Transfer PIONEER TITLE COMPANY, PIONEER TITLE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Jan 5, 2017 · Amount on Record
Deed Document Number	202631055
Deed Book / Page	3075 / 1569
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 31, 2026
Property Address	965 LAMBERT AVE, FLAGLER BEACH, FL 32136-3039
Document Number	0000031055
Book / Page	3075 / 1569
Instrument Date	Jul 20, 2026
Instrument	202631055
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	VETERANS TITLE INC, VETERANS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417,130.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 LAMBERT AVE, FLAGLER BEACH, FL 32136-3039

Mortgage

Document Number	0000031056,
Date	Jul 31, 2026
Instrument	202631056

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 5, 2017
Property Address	965 LAMBERT AVE, FLAGLER BEACH, FL 32136-3039
Document Number	0021790268
Book / Page	002179 / 000268
Instrument Date	Dec 26, 2016
Instrument	338
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 PATTISON DR CUDJOE KEY FL 330424025, CUDJOE KEY, FL 33042-4025

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	$2,904.00 (+8.76%) Homeowner's exemption	$192,342 (+7.71%)	$518,500 (+9.58%) Land $182,500 Building $336,000
2023	$2,670.00 (+3.09%) Homeowner's exemption	$178,582 (+3%)	$473,156 (+10.19%) Land $182,500 Building $290,656
2022	$2,590.00 Homeowner's exemption	$173,380	$429,413 Land $147,000 Building $282,413

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.07% 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 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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