Flagler County property record for 11 Elder Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,376 sqft · built 2001 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $448,000 (Mar 2026) |
| Tax Bill | $4,198 (2022) |
| Deeds & Mortgages | Mar 2026 Sale Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7034-00520-0010 |
| Primary APN | 07-11-31-7034-00520-0010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 3,514 sqft |
| 1st Floor Area | 2,376 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 11 ELDER DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 34 BL 52 LT 1 OR 232 PG 325 OR 279 PG 835 OR 378 PG 526-CD OR 378 PG 527 OR 711 PG 260-DC OR 710 PG 581-582 OR 2159/614 OR 2315/ 608 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 52 |
| Legal Lot Number | 1 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 60218 |
Source: Flagler County records, as of March 16, 2026
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 | 120 RYDER ST, DARTMOUTH, MA 02747-2664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 4, 2026 | Warranty Deed, Transfer WATSON TITLE SERVICES INC |
| Aug 16, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2026 · Amount on Record |
| Deed Sale | Mar 4, 2026 · Amount on Record |
| Prior Sale | Oct 30, 2018 · Amount on Record |
| Deed Document Number | 20269314 |
| Deed Book / Page | 3034 / 1819 |
| Prior Transfer Date | Sep 19, 2016 |
| Prior Transfer Doc | 0021590614 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 4, 2026 |
| Property Address | 11 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 0030341819 |
| Book / Page | 3034 / 1819 |
| Map Reference | MB 11 PG 30-49 |
| Instrument Date | Feb 28, 2026 |
| Instrument | 2026009314 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,136.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4506 LAKEWOOD PARK DR, PHENIX CITY, AL 36867-1675 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 RYDER ST, DARTMOUTH, MA 02747-2664 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 11 ELDER DR, PALM COAST, FL 32164-6254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 11 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 0025951196 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 2595/1196 |
| Instrument | 2021044942 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 5, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 30, 2018 |
| Property Address | 11 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 0023150608 |
| Book / Page | 2315 / 0608 |
| Map Reference | MB11 PG30-49 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 2018040819 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | AMERICAN CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 962 FISH ISLAND PL, 962, SAINT AUGUSTINE, FL 32080-9196 |
| Name | Verified Name |
|---|---|
| Address | 11 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 2018040820 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018040820 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | Homeowner's exemption Veteran's exemption | $287,030 (+5.99%) | $378,681 (+6.76%) Land $78,500 Building $300,181 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $270,817 (+3%) | $354,717 (+2.03%) Land $68,000 Building $286,717 |
| 2022 | $4,198.00 Homeowner's exemption | $262,929 | $347,655 Land $72,500 Building $275,155 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 111 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 111 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 297 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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