28 Palm Leaf Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 28 Palm Leaf Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$287,000 (May 2023)
Tax Bill	$3,797 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7025-00780-0220`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7025-00780-0220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,020 sqft Heated Area
Gross Area	2,527 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
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	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	28 PALM LEAF LN
City	PALM COAST
State	FL
Zip	32164-7523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 25 BLOCK 00078 LOT 0022 SUBDIVISION COMPLETION YEAR 1975 OR 123 PAGE 0645 OR 946 PG 1687 OR 1045/1881 OR 1
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	78
Legal Lot Number	22
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1027
Census Tract	60212

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	Co-owner on Record
Mailing Address	28 PALM LEAF LN, PALM COAST, FL 32164-7523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	Jan 30, 2012 · Amount on Record
Deed Document Number	2023021478
Deed Book / Page	2781 / 1268
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 18, 2023
Property Address	28 PALM LEAF LN, PALM COAST, FL 32164-7523
Document Number	0027811268
Book / Page	2781 / 1268
Map Reference	MB 9 PG 1-19
Instrument Date	May 15, 2023
Instrument	2023021478
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,009.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 ERIC DR, PALM COAST, FL 32164-6343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PALM LEAF LN, PALM COAST, FL 32164-7523

Mortgage

Document Number	0027811269
Date	May 18, 2023
Book Page	2781/1269
Instrument	2023021479

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$3,797.00 (-9.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$257,114 (-0.2%)	$258,296 (+0.25%) Land $52,000 Building $206,296
2023	$4,198.00 (+6.22%)	$257,642 (+7.31%) Land $42,500 Building $215,142	$257,642 (+7.31%) Land $42,500 Building $215,142
2022	$3,952.00	$240,083 Land $43,000 Building $197,083	$240,083 Land $43,000 Building $197,083

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 56 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	56 in force
Nearby Flood Claims	7 (2007–2024)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

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 268 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20