Flagler County property record for 3 Point Pl, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,685 sqft · built 1983 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Apr 2026) |
| Tax Bill | $1,853 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7028-00770-0080 |
| Primary APN | 07-11-31-7028-00770-0080 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,685 sqft Living Area |
| Gross Area | 2,593 sqft |
| 1st Floor Area | 1,685 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3 POINT PL |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 28 BL 77 LT 8 OR 204 PG 999 OR 205 PG 391 OR 210 PG 929 OR 473 PG 372-RDMN LUCILLE M CUMMINGS TRUSTEE OR 587 PG 1682-TD OR 733 PG 536 OR 1054 PG 318 OR 1349 PG 729 OR 2297/1849 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 77 |
| Legal Lot Number | 8 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 60213 |
Source: Flagler County records, as of April 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY |
| Apr 14, 2026 | Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE COMPANY |
| Dec 21, 2020 | Warranty Deed, Transfer OCEAN BLUE TITLE LLC |
| Aug 7, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on Record |
| Deed Sale | Apr 14, 2026 · Amount on Record |
| Prior Sale | Dec 21, 2020 · Amount on Record |
| Deed Document Number | 202615276 |
| Deed Book / Page | 3046 / 1570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0000015276 |
| Book / Page | 3046 / 1570 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202615276 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2026 |
| Title Company | EXCELSIOR TITLE, EXCEL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0000015277, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 202615277 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Number | 0000015278, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 3046/1597 |
| Instrument | 202615278 |
| Name | FLORIDA HOUSING FINANCE CORP |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 14, 2026 |
| Property Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0030461570 |
| Book / Page | 3046 / 1570 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202615276 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,890.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0000015277, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 202615277 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Number | 0000015278, |
|---|---|
| Date | Apr 14, 2026 |
| Book Page | 3046/1597 |
| Instrument | 202615278 |
| Name | HOUSING FINANCE CORPORATION FLORIDA |
|---|
| Amount | Amount Recorded |
|---|
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 21, 2020 |
| Property Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0025071662 |
| Book / Page | 002507 / 001662 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 53587 |
| Transaction Type | Transfer |
| Record Updated | Jan 6, 2021 |
| Title Company | OCEAN BLUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,260.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 POINT PL PALM COAST FL 321646763, PALM COAST, FL 32164-6763 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 7, 2018 |
| Property Address | 3 POINT PL, PALM COAST, FL 32164-6763 |
| Document Number | 0022971849 |
| Book / Page | 002297 / 001849 |
| Instrument Date | Aug 3, 2018 |
| Instrument | 29446 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,204.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 POINT PL PALM COAST FL 321646763, PALM COAST, FL 32164-6763 |
| Document Number | 22971851 |
|---|---|
| Date | Aug 7, 2018 |
| Book Page | 002297/001851 |
| Instrument | 29447 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2048 |
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 | $1,853.00 (+3%) Homeowner's exemption Widower's exemption | $150,140 (+5.99%) | $216,707 (+0.38%) Land $53,500 Building $163,207 |
| 2024 | $1,799.00 (+3.39%) | ||
| 2023 | $1,740.00 (-3.01%) Homeowner's exemption Widower's exemption | $141,659 (+3%) | $215,882 (+10.67%) Land $44,000 Building $171,882 |
| 2022 | $1,794.00 Homeowner's exemption Widower's exemption | $137,533 | $195,077 Land $43,500 Building $151,577 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 60 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 249 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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