22 Windsor Ter, Palm Coast, FL 32164 Property Records

Flagler County property record for 22 Windsor Ter, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,891 sqft · built 2024
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,897 (Apr 2024)
Tax Bill	$4,660 (2025)
Deeds & Mortgages	Aug 2025 Transfer Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-11-30-6060-00000-1050`

Property Details

APN / Parcel Number

Primary APN	`23-11-30-6060-00000-1050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,891 sqft Living Area
1st Floor Area	1,891 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	22 WINDSOR TER
City	PALM COAST
State	FL
Zip	32164-7258
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITEVIEW VILLAGE PHASE I MB 40 PG 46 LOT 105
Legal Subdivision	WHITEVIEW VILLAGE PHASE I
Legal Lot Number	105
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1030
Census Tract	60210

Owner

Source: Flagler County records, as of March 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	22 WINDSOR TER, PALM COAST, FL 32164-7258
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 18, 2024	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2024 · Amount on Record
Deed Sale	Apr 18, 2024 · Amount on Record
Deed Document Number	202415963
Deed Book / Page	2862 / 608
Last Transfer Date	Aug 12, 2025
Transfer Doc	0029830030
Record Updated	Jun 8, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Aug 13, 2025
Property Address	22 WINDSOR TER, PALM COAST, FL 32164-7258
Document Number	0029830030
Book / Page	2983 / 30
Map Reference	MB 40 PG 46
Instrument Date	Aug 12, 2025
Instrument	2025033297
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 WINDSOR TER, PALM COAST, FL 32164-7258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 LINKSVIEW PL, STRATFORD, CT 06614-2815

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 18, 2024
Property Address	22 WINDSOR TER, PALM COAST, FL 32164-7258
Document Number	0028620608
Book / Page	2862 / 608
Map Reference	MB 40 PG 46
Instrument Date	Apr 15, 2024
Instrument	2024015963
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,701.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10475 FORTUNE PKWY STE 100, 100, JACKSONVILLE, FL 32256-3674

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 WINDSOR TER, PALM COAST, FL 32164-7258

Mortgage

Document Number	0002862610
Date	Apr 18, 2024
Instrument	2862/610

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	May 1, 2034
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12%
Index	SOFR Average 90-Day
Margin	3
Max Rate	12%

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$4,660.00 (+695.22%)	$299,557 (+755.88%) Land $50,000 Building $249,557	$299,557 (+755.88%) Land $50,000 Building $249,557
2024	$586.00 (+13.13%)	$35,000 (+25%) Land $35,000	$35,000 (+25%) Land $35,000
2023	$518.00 (+127.19%)	$28,000 (+133.33%) Land $28,000	$28,000 (+133.33%) Land $28,000
2022	$228.00	$12,000 Land $12,000	$12,000 Land $12,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	80 in force
Nearby Flood Claims	4 (2014–2024)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Sep 2024

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	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 295 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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