340 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 340 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,305 sqft · built 1979
Lot Size	0.248 acres (10,799 sqft)
Owner	Individual Name on File
Last Sale	$343,000 (Sep 2023)
Tax Bill	$4,564 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-12-31-4950-00040-0150`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4950-00040-0150`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,305 sqft Living Area
Gross Area	2,225 sqft
1st Floor Area	1,305 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2003
Exterior Material	Glass
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,799 sqft (0.248 acres)
Driveway	Concrete Driveway
Driveway Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	340 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HARBOR SUBD BLOCK 4 LOT 15 OR BOOK 105 PAGE 569 OR 1255 PG 868-KLOS TRUST OR 2083/1879-ERR OR 2083/1879 OR 2083/1881 OR 2119/1151-DC OR 2119/1152-DC OR 2324/285- OR 2345/1109 OR 2384/1928
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	PALM HARBOR SUBD
Legal Block	4
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1004
Census Tract	60304

Owner

340 Palm Dr is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	340 PALM DR, FLAGLER BEACH, FL 32136-3409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

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
Sep 15, 2023	Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Sep 19, 2019	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	Sep 19, 2019 · Amount on File
Deed Document Number	202340688
Deed Book / Page	2812 / 1416
Prior Transfer Date	Aug 5, 2015
Prior Transfer Doc	0020831881
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 15, 2023
Property Address	340 PALM DR, FLAGLER BEACH, FL 32136-3409
Document Number	0028121416
Book / Page	2812 / 1416
Map Reference	MB 5 PG 21
Instrument Date	Sep 11, 2023
Instrument	2023040688
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	FLAGLER COUNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,401.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 PALM DR, FLAGLER BEACH, FL 32136-3409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 PALM DR, FLAGLER BEACH, FL 32136-3409

Mortgage

Document Number	0028121418
Date	Sep 15, 2023
Book Page	2812/1418
Instrument	2023040689

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	EDGEWOOD, MD 21040

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 19, 2019
Property Address	340 PALM DR, FLAGLER BEACH, FL 32136-3409
Document Number	0023841928
Book / Page	002384 / 001928
Instrument Date	Sep 16, 2019
Instrument	34755
Transaction Type	Transfer
Record Updated	Oct 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,596.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 MAGNOLIA CT ORMOND BEACH FL 321749225, ORMOND BEACH, FL 32174-9225

Mortgage

Document Number	23841931
Date	Sep 19, 2019
Book Page	002384/001931
Instrument	34756

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 340 Palm Dr was $4,564, down 15.9% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$4,564.00 (-15.93%)	$277,327 Land $89,000 Building $188,327	$277,327 Land $89,000 Building $188,327
2024	$5,429.00 (+78.12%)
2023	$3,048.00 (+3.6%) Homeowner's exemption	$197,729 (+3.46%)	$314,605 (+8.95%) Land $85,000 Building $229,605
2022	$2,942.00 Homeowner's exemption	$191,110	$288,748 Land $82,500 Building $206,248

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

Flood

FEMA maps place 340 Palm Dr 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 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 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 340 Palm Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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