107 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 107 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,054 sqft · built 1974
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Aug 2020)
Tax Bill	$8,909 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2021 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`12-12-31-4950-00010-0030`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4950-00010-0030`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Living Area
Gross Area	2,998 sqft
1st Floor Area	2,054 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,799 sqft (0.202 acres)
Lot Width	58 ft Width
Driveway	Concrete Driveway
Driveway Area	960 sqft
Patio Area	203 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	107 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HARBOR SUBD BLOCK 1 SOUTH 5.99' LOT 3 & LOT 4 EXCEPT SOUTH 7.33' OR BOOK 52 PG 260 OR BOOK 69 PAGE 483 & OR BOOK 70 PAGE 101 OR BOOK 99 PAGE 29, OR 235 PG 571(DC) PROBATE # 88-34-CP OR 389 PG 326 OR 420 PG 689 IR 1499 PG 1113-SA FOR EDWARD OR 14
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	PALM HARBOR SUBD
Legal Block	1
Legal Lot Number	3
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1001
Census Tract	60304

Owner

107 Palm Dr is owned and occupied by two individuals who bought it in August 2020.

Source: Flagler County records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479
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
Sep 4, 2026	Deed of Trust, Mortgage · Line of Credit VYSTAR CREDIT UNION
Dec 14, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Aug 27, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on File
Deed Sale	Aug 27, 2020 · Amount on File
Prior Sale	Aug 27, 2020 · Amount on File
Deed Document Number	202033978
Deed Book / Page	2471 / 1475
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Recording Date	Sep 4, 2026
Property Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479
Document Number	0000036325
Book / Page	3085 / 145
Instrument Date	Aug 26, 2026
Instrument	202636325
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479

Mortgage

Document Number	0000036325,
Date	Sep 4, 2026
Book Page	3085/145
Instrument	202636325

Lender

Name	VYSTAR CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Balloon
Initial Type	Balloon
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479

Mortgage

Document Number	0026371050
Date	Dec 14, 2021
Book Page	2637/1050
Instrument	2021067931

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 27, 2020
Property Address	107 PALM DR, FLAGLER BEACH, FL 32136-3479
Document Number	0024711475
Book / Page	2471 / 1475
Map Reference	MB 5 PG 21
Instrument Date	Jul 23, 2020
Instrument	2020033978
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	TITLE ROOT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3737 S ATLANTIC AVE, 3737, DAYTONA BEACH, FL 32118-7274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2290 OVERLOOK DR, LAKE OSWEGO, OR 97034-7510

Mortgage

Document Number	0024711477
Date	Aug 27, 2020
Instrument	2471/1477

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 107 Palm Dr was $8,909 with a homeowner's exemption.

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	$8,909.00 Homeowner's exemption	$499,756	$524,504 Land $214,600 Building $309,904
2023	$7,450.00 (-9.12%) Homeowner's exemption	$420,949 (-7.62%)	$498,860 (-5.11%) Land $191,400 Building $307,460
2022	$8,198.00 Homeowner's exemption	$455,652	$525,703 Land $193,578 Building $332,125

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

Flood

FEMA maps place 107 Palm Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 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 107 Palm Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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 112 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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