25 Flagship Dr, Palm Coast, FL 32137 Property Records

Flagler County property record for 25 Flagship Dr, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,174 sqft · built 2004
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Feb 2020)
Tax Bill	$8,082 (2025)
Deeds & Mortgages	Aug 2026 Sale Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-11-31-3511-00000-0110`

Property Details

APN / Parcel Number

Primary APN	`04-11-31-3511-00000-0110`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,174 sqft Living Area
Gross Area	4,414 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,763 sqft (0.293 acres)
Driveway	Brick Driveway
Driveway Area	960 sqft
Pool Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	25 FLAGSHIP DR
City	PALM COAST
State	FL
Zip	32137-3369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	OAK HAMMOCK LOT 11 OR 748 PG 1799 OR 2420/1317
Legal Range	31E
Legal Township	11S
Legal Section	04
Legal Subdivision	OAK HAMMOCK
Legal Lot Number	11
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2002
Census Tract	60106

Owner

25 Flagship Dr is owned and occupied by two individuals who acquired it in August 2026.

Source: Flagler County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 FLAGSHIP DR, PALM COAST, FL 32137-3369
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2020 · Amount on File
Deed Sale	Feb 17, 2020 · Amount on File
Prior Sale	Jun 6, 2001 · Amount on File
Deed Document Number	20206371
Deed Book / Page	2420 / 1317
Last Transfer Date	Aug 19, 2026
Transfer Doc	0000034362
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 24, 2026
Property Address	25 FLAGSHIP DR, PALM COAST, FL 32137-3369
Document Number	0000034362
Book / Page	3081 / 1056
Instrument Date	Aug 19, 2026
Instrument	202634362
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	25 FLAGSHIP DR, PALM COAST, FL 32137-3369

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 17, 2020
Property Address	25 FLAGSHIP DR, PALM COAST, FL 32137-3369
Document Number	0024201317
Book / Page	2420 / 1317
Map Reference	MB 32 PG 21
Instrument Date	Feb 13, 2020
Instrument	2020006371
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 SAMANTHA JOY CT, 8, BOLINGBROOK, IL 60490-5620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15611 JENSEN CIR, ANCHORAGE, AK 99516-4853

Mortgage

Document Number	0024201319
Date	Feb 17, 2020
Instrument	2420/1319

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Mar 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 25 Flagship Dr was $8,082 with a homeowner's exemption.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,082.00 Homeowner's exemption	$614,775	$850,227 Land $240,000 Building $610,227
2023	$8,237.00 (+4.6%) Homeowner's exemption	$580,048 (+3%)	$758,634 (+10.71%) Land $143,000 Building $615,634
2022	$7,875.00 Homeowner's exemption	$563,153	$685,256 Land $143,000 Building $542,256

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

Flood

FEMA maps place 25 Flagship Dr in Zone X, an area of minimal flood risk, though there have been 148 flood claims nearby since 1992.

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 290 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,079 units insured incl. 789 condo units
Nearby Flood Claims	148 (1992–2022)
Claims Outside the SFHA	60 of 148
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Ian, Oct 2022 · 8 claims Hurricane Irma, Oct 2017 · 17 claims Hurricane Matthew, Oct 2016 · 111 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

Wildfire risk around 25 Flagship Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% 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	DUNES COMMUNITY DEVELOPMENT DISTRICT private · serves 5,054 people · EPA ID FL2184259
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 141 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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