Flagler County property record for 320 Palm Cir, Flagler Beach, FL 32136
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,612 sqft · built 1977 |
| Lot Size | 0.404 acres (17,598 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,022 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 12-12-31-5000-00020-0120 |
| Primary APN | 12-12-31-5000-00020-0120 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| Gross Area | 2,529 sqft |
| 1st Floor Area | 1,612 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,598 sqft (0.404 acres) |
| Lot Width | 80 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Storage Building | 160 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 320 PALM CIR |
|---|---|
| City | FLAGLER BEACH |
| State | FL |
| Zip | 32136-3304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM ISLAND UR SUBD BLOCK 2 LOTS 12 & 13 OR BOOK 45 PG 116, OR 10 PG 75, OR 84 PG 631 OR BOOK 94 PP 155 & 156, OR 233 PP 261 & 263(DC & ACM) OR 343 PG 297 OR 343 PG 298 OR 516/691-DC OR 1760/1080 OR 2039/1448 |
| Legal Range | 31E |
| Legal Township | 12S |
| Legal Section | 12 |
| Legal Subdivision | PALM ISLAND UR SUBD |
| Legal Block | 2 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 60302 |
320 Palm Cir is owned by two individuals who acquired it in December 2014.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11853 DESELLEM RD, LISBON, OH 44432-9650 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 8, 2014 |
| Transfer Doc | 0020391448 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 320 Palm Cir was $9,022, up 5.9% from the year before.
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Flagler Beach City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,022.00 (+5.93%) | $533,271 Land $352,000 Building $181,271 | $533,271 Land $352,000 Building $181,271 |
| 2024 | $8,517.00 (+8.25%) | ||
| 2023 | $7,868.00 (+13.16%) | $503,797 (+22.89%) Land $352,000 Building $151,797 | $503,797 (+22.89%) Land $352,000 Building $151,797 |
| 2022 | $6,953.00 | $409,947 Land $264,000 Building $145,947 | $409,947 Land $264,000 Building $145,947 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 Palm Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 4.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
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 risk around 320 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.
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 |
| 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.
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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