3 Oakleaf Way, Palm Coast, FL 32137 Property Records

Flagler County property record for 3 Oakleaf Way, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,477 sqft · built 2022
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$296,000 (Nov 2022)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-1810`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-1810`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,477 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3 OAKLEAF WAY
City	PALM COAST
State	FL
Zip	32137-9800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SAWMILL CREEK AT PALM COAST PARK MB 39 PG 36 LOT 181
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST
Legal Lot Number	181
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

Owner

3 Oakleaf Way is owned by an individual who bought it in November 2022.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	101 S RIVERWALK DR, PALM COAST, FL 32137-1319
Owner Type	Individual

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
Nov 4, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage COASTAL LOANS LLC
Jun 1, 2021	Special Warranty Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Jun 1, 2021 · Amount on File
Deed Document Number	2022053050
Deed Book / Page	2732 / 1767
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 4, 2022
Property Address	3 OAKLEAF WAY, PALM COAST, FL 32137-9800
Document Number	0027321767
Book / Page	2732 / 1767
Map Reference	MB 39 PG 36-43
Instrument Date	Oct 31, 2022
Instrument	2022053050
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2024
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,072.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W FAU GALLIE BLVD, MELBOURNE, FL 32935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 OAKLEAF WAY, PALM COAST, FL 32137-9800

Mortgage

Document Number	0027321769
Date	Nov 4, 2022
Instrument	2732/1769

Lender

Name	COASTAL LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 1, 2021
Property Address	3 OAKLEAF WAY, PALM COAST, FL 32137-9800
Document Number	0025680494
Book / Page	2568 / 494
Instrument Date	May 21, 2021
Instrument	2021029961
Transaction Type	Transfer
Record Updated	Apr 29, 2024
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$15,015.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 22547, SAINT SIMONS ISLAND, GA 31522-8947

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

The 2025 property tax bill for 3 Oakleaf Way was $4,688.

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	$4,688.00	$257,956 Land $45,000 Building $212,956	$257,956 Land $45,000 Building $212,956
2023	$6,727.00 (+148.96%)	$270,473 (+430.34%) Land $51,000 Building $219,473	$270,473 (+430.34%) Land $51,000 Building $219,473
2022	$2,702.00	$51,000 Land $51,000	$51,000 Land $51,000

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

Flood

FEMA maps place 3 Oakleaf Way in Zone X, an area of minimal flood risk, though there have been 3 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 54 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	3 (2001–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3 Oakleaf Way is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Oakleaf Way

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