105 Pine Circle Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 105 Pine Circle Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,371 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (May 2021)
Tax Bill	$2,672 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7026-00280-0150`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7026-00280-0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,371 sqft Living Area
Gross Area	1,986 sqft
1st Floor Area	1,371 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	400 sqft
Pool Area	926 sqft
Deck Area	562 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 PINE CIRCLE DR
City	PALM COAST
State	FL
Zip	32164-7030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 26 BLOCK 28 LOT 15 OR 551 PG 1824 OR 921 PG 1888 OR 1021 PG 583 OR 1113 PG 1591 OR 1651/179 OR 2047/1000 OR 2407/1124 OR 2961/732-DC-LUZ
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	28
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1010
Census Tract	60213

Owner

105 Pine Circle Dr is owned and occupied by an individual who bought it in May 2021.

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

Owner of Record	Individual Name on File
Mailing Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030
Occupancy	Owner Occupied
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
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Dec 23, 2019	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on File
Deed Sale	May 6, 2021 · Amount on File
Prior Sale	Dec 23, 2019 · Amount on File
Deed Document Number	202125114
Deed Book / Page	2559 / 1485
Prior Transfer Date	Feb 2, 2015
Prior Transfer Doc	0020471000
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 6, 2021
Property Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030
Document Number	0025591485
Book / Page	2559 / 1485
Map Reference	MB 9 PG 20-35
Instrument Date	May 4, 2021
Instrument	2021025114
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 N 12TH ST, 307, FLAGLER BEACH, FL 32136-3120

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030

Mortgage

Document Number	25591487
Date	May 6, 2021
Instrument	2559/1487

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 23, 2019
Property Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030
Document Number	0024071124
Book / Page	2407 / 1124
Map Reference	MB 9 PG 20-35
Instrument Date	Dec 19, 2019
Instrument	2019047701
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10315 PINEHURST CT, 10315, ELLICOTT CITY, MD 21042-2140

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030

Mortgage

Document Number	0024071126
Date	Dec 23, 2019
Instrument	2407-1126

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	105 PINE CIRCLE DR, PALM COAST, FL 32164-7030
Document Number	0022601246
Instrument Date	Feb 14, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 PINE CIRCLE DR PALM COAST FL 321647030, PALM COAST, FL 32164-7030

Mortgage

Document Number	0022601246
Date	Feb 21, 2018
Book Page	002260/001246
Instrument	6264

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 105 Pine Circle Dr was $2,672 with a homeowner's exemption, up 6.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Palm Coast City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,672.00 (+6.37%) Homeowner's exemption	$190,180	$245,321 Land $53,000 Building $192,321
2024	$2,512.00 (+2.95%)
2023	$2,440.00 (-2.09%) Homeowner's exemption Widower's exemption	$179,436 (+3%)	$247,213 (+4.51%) Land $42,000 Building $205,213
2022	$2,492.00 Homeowner's exemption Widower's exemption	$174,210	$236,550 Land $44,000 Building $192,550

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

Flood

FEMA maps place 105 Pine Circle Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 75 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	75 in force

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 105 Pine Circle Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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	CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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