39 Whispering Pine Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 39 Whispering Pine Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,511 sqft · built 1992
Lot Size	0.185 acres (8,067 sqft)
Owner	2 Individual Names on File
Last Sale	$199,900 (Mar 2020)
Tax Bill	$4,463 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7023-00120-0060`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7023-00120-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,511 sqft Heated Area
Gross Area	2,328 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2012
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,067 sqft (0.185 acres)
Driveway	Driveway
Driveway Area	475 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	39 WHISPERING PINE DR
City	PALM COAST
State	FL
Zip	32164-7293
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 23 BL 12 LT 6 OR 182 PG 29 OR 467 PG 620 OR 661/164 IR 1646/1127 IR 1659/ 1153-CD IR 1708/1208-DC OR 2395/1110
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	12
Legal Lot Number	6
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3005
Census Tract	60211

Owner

39 Whispering Pine Dr is owned by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	36 BROOKLYN LN, PALM COAST, FL 32137-8723
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
Mar 10, 2020	Warranty Deed, Transfer · Conventional Mortgage SPACE COAST CU
Nov 1, 2019	Warranty Deed, Transfer COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2020 · Amount on File
Deed Sale	Mar 10, 2020 · Amount on File
Prior Sale	Nov 1, 2019 · Amount on File
Deed Document Number	2020009837
Deed Book / Page	2426 / 1476
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 10, 2020
Property Address	39 WHISPERING PINE DR, PALM COAST, FL 32164-7293
Document Number	0024261476
Book / Page	002426 / 001476
Instrument Date	Mar 5, 2020
Instrument	9837
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,399.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 WHISPERING PINE DR PALM COAST FL 321647293, PALM COAST, FL 32164-7293

Mortgage

Document Number	24261478
Date	Mar 10, 2020
Book Page	002426/001478
Instrument	9838

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 9, 2030

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 1, 2019
Property Address	39 WHISPERING PINE DR, PALM COAST, FL 32164-7293
Document Number	0023951110
Book / Page	002395 / 001110
Instrument Date	Oct 31, 2019
Instrument	40712
Transaction Type	Transfer
Record Updated	Nov 15, 2019
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount on Record
Tax	$857.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 393 FLAGLER BEACH FL 321360393, FLAGLER BEACH, FL 32136-0393

Tax Assessment & Valuation

The 2025 property tax bill for 39 Whispering Pine Dr was $4,463.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,463.00	$245,582 Land $51,500 Building $194,082	$245,582 Land $51,500 Building $194,082
2023	$2,871.00 (+1.09%) Homeowner's exemption	$197,719 (+3%)	$249,597 (+2.39%) Land $45,000 Building $204,597
2022	$2,840.00 Homeowner's exemption	$191,960	$243,770 Land $45,500 Building $198,270

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

Flood

FEMA maps place 39 Whispering Pine Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 File median of 66 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

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 39 Whispering Pine Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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