32 Oak View Cir E, Palm Coast, FL 32137 Property Records

Flagler County property record for 32 Oak View Cir E, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,292 sqft · built 2014
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Company Names on Record
Last Sale	$1,380,000 (Sep 2022)
Tax Bill	$13,954 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-11-31-3503-00000-0380`

Property Details

APN / Parcel Number

Primary APN	`04-11-31-3503-00000-0380`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,292 sqft Living Area
Gross Area	4,746 sqft
1st Floor Area	3,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,979 sqft (0.275 acres)
Driveway	Brick Driveway
Driveway Area	1,070 sqft
Pool Area	1,250 sqft
Deck Area	850 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32 OAK VIEW CIR E
City	PALM COAST
State	FL
Zip	32137-3391
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	OCEAN HAMMOCK PARCEL B-3 LOT 38 OR 875 PG 837 OR 1102 PG 1620 OR 1276/1842 OR 1436/1549 OR 1824/646 OR 1869/1731
Legal Range	31E
Legal Township	11S
Legal Section	04
Legal Subdivision	OCEAN HAMMOCK
Legal Block	3
Legal Lot Number	38
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2013
Census Tract	60106

Owner

Source: Flagler County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	30494 UTE RD, PINE, CO 80470-9024
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	May 15, 2012 · Amount on Record
Deed Document Number	202247829
Deed Book / Page	2724 / 1798
Last Transfer Date	Jun 20, 2024
Transfer Doc	0028810013
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 30, 2022
Property Address	32 OAK VIEW CIR E, PALM COAST, FL 32137-3391
Document Number	0027241798
Book / Page	2724 / 1798
Map Reference	MB 31 PG 97
Instrument Date	Sep 23, 2022
Instrument	2022047829
Transaction Type	Transfer
Record Updated	Oct 24, 2022
Title Company	SELECT TITLE SERVICES INC, SELECT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2509 NE 100TH ST, 2509, KANSAS CITY, MO 64155-1992

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027241800
Date	Sep 30, 2022
Instrument	2724/1800

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Oct 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

Tax Assessment & Valuation

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	$13,954.00 (-10.23%)	$990,692 (-3.41%) Land $244,000 Building $746,692	$990,692 (-3.41%) Land $244,000 Building $746,692
2024	$15,544.00 (+2.42%)
2023	$15,176.00 (+17.87%)	$1,025,701 (+6.87%) Land $213,500 Building $812,201	$1,025,701 (+6.87%) Land $213,500 Building $812,201
2022	$12,875.00	$959,729 Land $187,000 Building $772,729	$959,729 Land $187,000 Building $772,729

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 204 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
T-Mobile Fixed Wireless	100 / 20