4 Pine Cedar Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 4 Pine Cedar Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,170 sqft · built 2024
Lot Size	0.284 acres (12,371 sqft)
Owner	2 Individual Names on Record
Last Sale	$69,000 (Mar 2022)
Tax Bill	$8,828 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7026-00240-0050`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7026-00240-0050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,170 sqft Living Area
1st Floor Area	2,170 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,371 sqft (0.284 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 PINE CEDAR DR
City	PALM COAST
State	FL
Zip	32164-7046
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 26 BLOCK 00024 LOT 0005 SUBDIVISION COMPLETION YEAR 1980 OR 217 PG 770
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	24
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1023
Census Tract	60213

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 Individual Names on Record
Mailing Address	91 HIDDEN LAKE DR, NORTH BRUNSWICK, NJ 08902-1212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Mar 1, 2022	Warranty Deed, Transfer SOUTHERN TITLE
Mar 1, 2022	Correction Deed SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Deed Document Number	202210726
Deed Book / Page	2662 / 1223
Prior Transfer Date	Feb 16, 2022
Prior Transfer Doc	0026621221
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	4 PINE CEDAR DR, PALM COAST, FL 32164-7046
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 HIDDEN LAKE DR, NORTH BRUNSWICK, NJ 08902-1212

Mortgage

Document Number	0028380156
Date	Jan 5, 2024
Book Page	2838/156
Instrument	2024000661

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2044

Interest

Rate Type	Adjustable Rate
Rate	11.5%
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	16.5%
Index	SOFR Average 30-Day
Max Rate	16.5%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 1, 2022
Property Address	4 PINE CEDAR DR, PALM COAST, FL 32164-7046
Document Number	0026621223
Book / Page	2662 / 1223
Map Reference	MB 9 PG 20-35
Instrument Date	Feb 22, 2022
Instrument	2022010726
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	SOUTHERN TITLE

Transaction

Amount	Amount Recorded
Tax	$483.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12309 VILLAGER CT, TAMPA, FL 33625-6577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 HIDDEN LAKE DR, NEW BRUNSWICK, NJ 08902-1212

March 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 1, 2022
Property Address	4 PINE CEDAR DR, PALM COAST, FL 32164-7046
Document Number	0026621221
Book / Page	2662 / 1221
Map Reference	MB 9 PG 20-35
Instrument Date	Feb 16, 2022
Instrument	2022010724
Record Updated	Dec 23, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 GRANT AVE, BROOKLYN, NY 11208-1562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12309 VILLAGER CT, TAMPA, FL 33625-6577

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$8,828.00 (+995.29%)	$489,011 (+1,064.31%) Land $53,000 Building $436,011	$489,011 (+1,064.31%) Land $53,000 Building $436,011
2024	$806.00 (+3.6%)
2023	$778.00 (+44.07%)	$42,000 (-4.55%) Land $42,000	$42,000 (-4.55%) Land $42,000
2022	$540.00	$44,000 Land $44,000	$44,000 Land $44,000

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 75 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	75 in force

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 67% of the US · lower than 92% 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 388 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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