4 Sutton Ct, Palm Coast, FL 32164 Property Records

Flagler County property record for 4 Sutton Ct, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,122 sqft · built 1995
Lot Size	0.278 acres (12,110 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (Oct 2025)
Tax Bill	$6,224 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-5640-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-5640-00000-0020`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,122 sqft Living Area
Gross Area	2,879 sqft
1st Floor Area	2,122 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,110 sqft (0.278 acres)
Driveway	Concrete Driveway
Driveway Area	416 sqft
Pool Area	350 sqft
Deck Area	937 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 SUTTON CT
City	PALM COAST
State	FL
Zip	32164-7722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUTTON PLACE SUBD LOT 2 OR 500 PG 1264 OR 533 PG 378 OR 614 PG 486-DC OR 827 PG 280-ACM OR 827/822 OR 1697/1451 OR 1816/80 OR 2242/1690 OR 2295/1470 OR 2389/228
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	SUTTON PLACE SUBD
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2013
Census Tract	60211

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	Individual Name on Record
Mailing Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 13, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Oct 4, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 26, 2018	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Nov 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Prior Sale	Jun 13, 2023 · Amount on Record
Deed Document Number	202543020
Deed Book / Page	3000 / 1045
Prior Transfer Date	Nov 16, 2017
Prior Transfer Doc	0022421690
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 21, 2025
Property Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Document Number	0030001045
Book / Page	3000 / 1045
Map Reference	MB 29 PG 23
Instrument Date	Oct 17, 2025
Instrument	2025043020
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	MY ENGAGE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 SURFVIEW DR, PALM COAST, FL 32137-2373

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SUTTON CT, PALM COAST, FL 32164-7722

Mortgage

Document Number	0030001047
Date	Oct 21, 2025
Instrument	3000/1047

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 13, 2023
Property Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Document Number	0027871874
Book / Page	2787 / 1874
Map Reference	MB 29 PG 23
Instrument Date	Jun 6, 2023
Instrument	2023025143
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	COVENANT TITLE, COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	252 FIDDLEBACK DR, SUMMERVILLE, SC 29486-8536

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SUTTON CT, PALM COAST, FL 32164-7722

Mortgage

Document Number	0027871876
Date	Jun 13, 2023
Instrument	2787/1876

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 4, 2019
Property Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Document Number	0023890228
Book / Page	002389 / 000228
Instrument Date	Oct 3, 2019
Instrument	36968
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SUTTON CT PALM COAST FL 321647722, PALM COAST, FL 32164-7722

Mortgage

Document Number	23890230
Date	Oct 4, 2019
Book Page	002389/000230
Instrument	36969

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 26, 2018
Property Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Document Number	0022951470
Book / Page	2295 / 1470
Map Reference	MB29 PG23&24
Instrument Date	Jul 6, 2018
Instrument	2018028022
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,246.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 WEYMOUTH LN, 73, PALM COAST, FL 32164-7731

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 SUTTON CT, PALM COAST, FL 32164-7722

Mortgage

Document Number	2018028023
Date	Jul 26, 2018
Instrument	2018028023

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 21, 2017
Property Address	4 SUTTON CT, PALM COAST, FL 32164-7722
Document Number	0022421690
Book / Page	002242 / 001690
Instrument Date	Nov 16, 2017
Instrument	40781
Transaction Type	Transfer
Record Updated	Dec 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	4 SUTTON CT PALM COAST FL 321647722, PALM COAST, FL 32164-7722

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	$6,224.00 (-2.23%)	$385,633 (-1.16%) Land $60,500 Building $325,133	$385,633 (-1.16%) Land $60,500 Building $325,133
2024	$6,366.00 Homeowner's exemption	$390,155 (+32.33%) Land $60,500 Building $329,655	$390,155 (+4.77%) Land $60,500 Building $329,655
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$294,836 (+3%)	$372,403 (+3.77%) Land $60,500 Building $311,903
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$286,248	$358,882 Land $60,500 Building $298,382

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	3 (2004–2020)
Claims Outside the SFHA	3 of 3
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Hurricane Frances, Sep 2004 · 2 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 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% 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	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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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