Flagler County property record for 20 Sandpiper Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,284 sqft · built 2006 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $568,000 (Mar 2024) |
| Tax Bill | $7,352 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-31-3733-00000-0090 |
| Primary APN | 15-11-31-3733-00000-0090 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,284 sqft Living Area |
| Gross Area | 3,253 sqft |
| 1st Floor Area | 2,284 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,805 sqft (0.271 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 660 sqft |
| Pool Area | 785 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 SANDPIPER CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE HAVEN AT GRAND HAVEN PHASE 3 LOT 9 MB 31 PG 15 OR 695 PG 1446 OR 700 PG 667-CD OR 793 PG 505 OR 970 PG 1953 OR 1261 PG 51 OR 1516 PG 965 OR 1869/606 OR 1913/1394 OR 2349/224 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 15 |
| Legal Subdivision | LAKE HAVEN AT GRAND HAVEN PHASE 3 |
| Legal Phase | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 60301 |
20 Sandpiper Ct is owned and occupied by two individuals who bought it in March 2024.
Source: Flagler County records, as of August 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage BARRETT FINANCIAL GROUP LLC |
| Mar 20, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 5, 2023 | Quit Claim Deed, Transfer · Conventional Mortgage SPACE COAST CU |
| Jul 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 17, 2019 | Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2024 · Amount on File |
| Deed Sale | Mar 20, 2024 · Amount on File |
| Prior Sale | Apr 17, 2019 · Amount on File |
| Deed Document Number | 202411399 |
| Deed Book / Page | 2854 / 1890 |
| Prior Transfer Date | May 25, 2023 |
| Prior Transfer Doc | 0027851856 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 31, 2026 |
| Property Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0000031229 |
| Book / Page | 3076 / 316 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202631229 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0000031229, |
|---|---|
| Date | Jul 31, 2026 |
| Book Page | 3076/316 |
| Instrument | 202631229 |
| Name | BARRETT FINANCIAL GROUP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 20, 2024 |
| Property Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0028541890 |
| Book / Page | 2854 / 1890 |
| Map Reference | MB 31 PG 15&16 |
| Instrument Date | Mar 1, 2024 |
| Instrument | 2024011399 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Title Company | VETERANS TITLE INC, VETERANS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,976.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 26 PRIMROSE LN, PALM COAST, FL 32164-7415 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0028541892 |
|---|---|
| Date | Mar 20, 2024 |
| Instrument | 2854/1892 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0027851856 |
| Book / Page | 2785 / 1856 |
| Map Reference | MB 31 PG 15&16 |
| Instrument Date | May 25, 2023 |
| Instrument | 2023023870 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| Title Company | VETERANS TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0027851858 |
|---|---|
| Date | Jun 5, 2023 |
| Book Page | 2785/1858 |
| Instrument | 2023023871 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jun 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | 1-Year T-Bill |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0025811395 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 2581/1395 |
| Instrument | 2021037223 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 17, 2019 |
| Property Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 0023490224 |
| Book / Page | 2349 / 0224 |
| Map Reference | MB 31 PG 15 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 2019013523 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AMERICAS CHOICE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 94 CLUB HOUSE DR, 94, PALM COAST, FL 32137-8135 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 SANDPIPER CT, PALM COAST, FL 32137-4518 |
| Document Number | 2019013524 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 2019013524 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 20 Sandpiper Ct was $7,352, down 31.4% from the year before.
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 | $7,352.00 (-31.37%) | $447,717 Land $95,000 Building $352,717 | $447,717 Land $95,000 Building $352,717 |
| 2024 | $10,713.00 (+50.97%) | ||
| 2023 | $7,096.00 (+5.16%) Homeowner's exemption | $278,438 (+3%) | $384,284 (-1.71%) Land $102,000 Building $282,284 |
| 2022 | $6,748.00 Homeowner's exemption | $270,328 | $390,950 Land $118,000 Building $272,950 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 20 Sandpiper Ct in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 2001.
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 File median of 141 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 141 in force |
| Nearby Flood Claims | 11 (2001–2022) |
| Claims Outside the SFHA | 11 of 11 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| Claims by Event |
|
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 risk around 20 Sandpiper Ct is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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