191 Westhampton Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 191 Westhampton Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 1996
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Nov 2021)
Tax Bill	$3,408 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7022-00180-0190`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7022-00180-0190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,712 sqft Heated Area
Gross Area	2,424 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2010
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.253 acres)
Pool Type	Fiberglass Pool
Pool Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	191 WESTHAMPTON DR
City	PALM COAST
State	FL
Zip	32164-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 22 BLOCK 00018 LOT 0019 SUBDIVISION
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	18
Legal Lot Number	19
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2024
Census Tract	60211

Owner

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Dec 14, 2017 · Amount on Record
Deed Document Number	2021062809
Deed Book / Page	2627 / 1887
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016

Mortgage

Document Number	0030060535
Date	Nov 13, 2025
Book Page	3006/535
Instrument	2025046389

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016
Transaction Type	Mortgage
Record Updated	Jul 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 WECTHAMPTOII DR, PALM COAST, FL 32164

Mortgage

Document Number	0027911984
Date	Jun 26, 2023
Book Page	2791/1984
Instrument	2023027547

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2043

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 16, 2021
Property Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016
Document Number	0026271887
Book / Page	2627 / 1887
Map Reference	MB 8 PG 3-20
Instrument Date	Nov 9, 2021
Instrument	2021062809
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	COVENANT TITLE, COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 WESTHAMPTON DR, PALM COAST, FL 32164-4016

Mortgage

Document Number	0026271889
Date	Nov 16, 2021
Instrument	2627/1889

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 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	$3,408.00 (-11.66%) Homeowner's exemption Additional exemption filed	$265,975 (+5.99%)	$289,679 (+2.88%) Land $56,500 Building $233,179
2023	$3,858.00 (+0.92%) Homeowner's exemption	$250,950 (+3%)	$281,564 (+3.89%) Land $50,000 Building $231,564
2022	$3,823.00 Homeowner's exemption	$243,641	$271,021 Land $46,500 Building $224,521

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

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	3 (2004–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 2 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	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% 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	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 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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