308 Palm Cir, Flagler Beach, FL 32136 Property Records

Flagler County property record for 308 Palm Cir, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,561 sqft · built 1980
Lot Size	0.201 acres (8,799 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Oct 2020)
Tax Bill	$7,658 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2020 Sale & Construction Loan
Flood Zone	Zone X (moderate risk)
APN	`12-12-31-5000-00020-0150`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-5000-00020-0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,561 sqft Heated Area
Gross Area	2,807 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,799 sqft (0.201 acres)
Lot Width	80 ft Width
Driveway	Driveway
Driveway Area	594 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	308 PALM CIR
City	FLAGLER BEACH
State	FL
Zip	32136-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0000.20 ACRES PALM ISLAND UR SUBD BLOCK 2 LOT 15 OR BOOK 64 PAGE 169 OR 273 PG 682 OR 1790/832-833-DC & ACM OR 2089/894
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	PALM ISLAND
Legal Block	2
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1022
Census Tract	60302

Owner

308 Palm Cir is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 575, BUNNELL, FL 32110-0575
Occupancy	Owner Occupied
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
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 8, 2020	Warranty Deed, Transfer · Construction Mortgage DRYMONIS PROPERTIES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on File
Deed Sale	Oct 8, 2020 · Amount on File
Prior Sale	Oct 2, 2015 · Amount on File
Deed Document Number	2020040757
Deed Book / Page	2484 / 353
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	308 PALM CIR, FLAGLER BEACH, FL 32136-3304
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 PALM CIR, FLAGLER BEACH, FL 32136-3304

Mortgage

Document Number	0025541159
Date	Apr 26, 2021
Book Page	2554/1159
Instrument	2021022321

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 8, 2020
Property Address	308 PALM CIR, FLAGLER BEACH, FL 32136-3304
Document Number	0024840353
Book / Page	002484 / 000353
Instrument Date	Sep 9, 2020
Instrument	40757
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	OLDE FL TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 675 BUNNELL FL 321100575, BUNNELL, FL 32110-0575

Mortgage

Document Number	24840355
Date	Oct 8, 2020
Book Page	002484/000355
Instrument	40758

Lender

Name	DRYMONIS PROPERTIES INC
Address	12 QUEENSGATE CT, ORMOND BEACH, FL 32174-9038

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 7, 2021

Interest

Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 308 Palm Cir was $7,658 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,658.00 Homeowner's exemption	$435,710	$509,746 Land $176,000 Building $333,746
2023	$7,256.00 (+2.56%) Homeowner's exemption	$411,097 (+3%)	$459,111 (+1.44%) Land $176,000 Building $283,111
2022	$7,075.00 Homeowner's exemption	$399,124	$452,577 Land $176,000 Building $276,577

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

Flood

FEMA maps place 308 Palm Cir in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 270 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	272 units insured incl. 2 condo units
Nearby Flood Claims	281 (1984–2024)
Claims Outside the SFHA	50 of 281
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 58 claims Hurricane Ian, Oct 2022 · 9 claims Hurricane Irma, Sep 2017 · 168 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 308 Palm Cir is low, with 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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	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	FLAGLER BEACH WTP serves 4,830 people · EPA ID FL2180349
Water Source	Groundwater
Last State Inspection	Jun 2023
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	1 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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