20 Pine Cedar Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 20 Pine Cedar Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,860 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual on Record
Last Sale	$224,900 (Nov 2020)
Tax Bill	$3,002 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7026-00250-0080`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7026-00250-0080`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,860 sqft Heated Area
Gross Area	2,751 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 PINE CEDAR DR
City	PALM COAST
State	FL
Zip	32164-7046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 26 BLOCK 00025 LOT 0008 SUBDIVISION COMPLETION YEAR 1980 OR 223 PG 563 OR 851 PG 1175 OR 1136 PG 1909 OR 1
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	25
Legal Lot Number	8
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1023
Census Tract	60213

Owner

Source: Flagler County assessment roll, as of July 1, 2025

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

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	20 PINE CEDAR DR, PALM COAST, FL 32164-7046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on Record
Deed Sale	Nov 5, 2020 · Amount on Record
Prior Sale	Mar 23, 2006 · Amount on Record
Deed Document Number	2020045855
Deed Book / Page	2492 / 1929
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 5, 2020
Property Address	20 PINE CEDAR DR, PALM COAST, FL 32164-7046
Document Number	0024921929
Book / Page	2492 / 1929
Map Reference	MB 9 PG 20-35
Instrument Date	Oct 30, 2020
Instrument	2020045855
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	WATSON TTL SVCS OF NORTH FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,574.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2690 ALFRED HARTLEY RD, 2690, LENOIR, NC 28645-7468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 PINE CEDAR DR, PALM COAST, FL 32164-7046

Mortgage

Document Number	0024921931
Date	Nov 5, 2020
Instrument	2492/1931

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$3,002.00 (+5.3%) Homeowner's exemption	$208,359 (+5.99%)	$266,619 (-0.28%) Land $53,000 Building $213,619
2023	$2,851.00 (+1.14%) Homeowner's exemption	$196,590 (+3%)	$267,368 (+5.57%) Land $42,000 Building $225,368
2022	$2,819.00 Homeowner's exemption	$190,864	$253,259 Land $44,000 Building $209,259

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 75 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	75 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.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% 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 403 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 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20