2 Oakleaf Way, Palm Coast, FL 32137 Property Records

Flagler County property record for 2 Oakleaf Way, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,003 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2023)
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-1090`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-1090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,003 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2 OAKLEAF WAY
City	PALM COAST
State	FL
Zip	32137-9800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SAWMILL CREEK AT PALM COAST PARK MB 39 PG 36 LOT 109 OR 2446/175
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST
Legal Lot Number	109
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

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	2 Co-owners on Record
Mailing Address	2 OAKLEAF WAY, PALM COAST, FL 32137-9800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
May 29, 2020	Loan Modification, Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	2023017753
Deed Book / Page	2775 / 1118
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 28, 2023
Property Address	2 OAKLEAF WAY, PALM COAST, FL 32137-9800
Document Number	0027751118
Book / Page	2775 / 1118
Map Reference	MB 39 PG 36
Instrument Date	Apr 14, 2023
Instrument	2023017753
Transaction Type	Transfer
Record Updated	May 16, 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
Address	5934 PREMIER WAY UNIT 2465, 2465, NAPLES, FL 34109-7893

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 OAKLEAF WAY, PALM COAST, FL 32137-9800

Mortgage

Document Number	0027751120
Date	Apr 28, 2023
Instrument	2775/1120

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	2 OAKLEAF WAY, PALM COAST, FL 32137-9800
Document Number	0024460179
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	HB TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0024460179
Date	Jun 2, 2020
Book Page	002446/000179
Instrument	20163

Lender

Name	FIFTH THIRD BK NA
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount Recorded

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	$4,367.00 (-39.17%) Homeowner's exemption	$283,457 (-5.75%) Land $46,000 Building $237,457	$283,457 (-5.75%) Land $46,000 Building $237,457
2023	$7,179.00 (+4.41%)	$300,761 (+2.7%) Land $53,500 Building $247,261	$300,761 (+2.7%) Land $53,500 Building $247,261
2022	$6,876.00	$292,851 Land $53,500 Building $239,351	$292,851 Land $53,500 Building $239,351

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 54 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	3 (2001–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 199 locations within half a mile, as of December 31, 2025

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

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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