Flagler County property record for 13 Elder Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,011 sqft · built 2021 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Company Name on Record |
| Last Sale | $630,000 (Feb 2025) |
| Tax Bill | $7,040 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7034-00520-0020 |
| Primary APN | 07-11-31-7034-00520-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,011 sqft Living Area |
| 1st Floor Area | 2,011 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 13 ELDER DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6254 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 34 BLOCK 00052 LOT 0002 SUBDIVISION COMPLETION YEAR 1982 OR 209 PG 837 OR 951 PG 32 OR 1394 PG 1654 OR 2025/1604 OR 2280/1387 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 52 |
| Legal Lot Number | 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 60218 |
Source: Flagler County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1217 MAPLE DR, GRIFFIN, GA 30224-5335 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 5, 2023 | Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIS BANK |
| Dec 9, 2019 | Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK |
| May 21, 2018 | Warranty Deed, Transfer COVENANT TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2025 · Amount on Record |
| Deed Sale | Feb 25, 2025 · Amount on Record |
| Prior Sale | May 21, 2018 · Amount on Record |
| Deed Document Number | 20257696 |
| Deed Book / Page | 2938 / 1309 |
| Prior Transfer Date | Jul 3, 2023 |
| Prior Transfer Doc | 0027931619 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 5, 2023 |
| Property Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 0027931619 |
| Book / Page | 2793 / 1619 |
| Map Reference | MB 11 PG 30-49 |
| Instrument Date | Jul 3, 2023 |
| Instrument | 2023028730 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Title Company | NOT AVAILABLE, AGENTS CHOICE TITLE |
| Name | Verified Name |
|---|---|
| Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Investor | Possibly a Property Investor |
| Document Number | 0025520824 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 2552/824 |
| Instrument | 2021021092 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | PALATINE, IL 60067 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024031758 |
|---|---|
| Date | Dec 9, 2019 |
| Book Page | 2403/1758 |
| Instrument | 2019045498 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 11.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 21, 2018 |
| Property Address | 13 ELDER DR, PALM COAST, FL 32164-6254 |
| Document Number | 0022801387 |
| Book / Page | 002280 / 001387 |
| Instrument Date | May 15, 2018 |
| Instrument | 18808 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | COVENANT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $455.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 200 E CHESTNUT ST #10A BORDENTOWN NJ 085052040, 10A, BORDENTOWN, NJ 08505-2040 |
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 | $7,040.00 (+22.33%) | $430,546 (+24.29%) | $492,869 (+42.28%) Land $78,500 Building $414,369 |
| 2024 | $5,755.00 (+2.29%) | ||
| 2023 | $5,626.00 (-0.39%) Homeowner's exemption | $346,418 (+2.02%) Land $68,000 Building $278,418 | $346,418 (+2.02%) Land $68,000 Building $278,418 |
| 2022 | $5,648.00 Homeowner's exemption | $339,544 Land $72,500 Building $267,044 | $339,544 Land $72,500 Building $267,044 |
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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