4 Twisted Oak Pl, Palm Coast, FL 32137 Property Records

Flagler County property record for 4 Twisted Oak Pl, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,704 sqft · built 1995
Lot Size	0.552 acres (24,045 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jun 2018)
Tax Bill	$4,402 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44-11-31-4985-00000-0020`

Property Details

APN / Parcel Number

Primary APN	`44-11-31-4985-00000-0020`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,704 sqft Living Area
Gross Area	3,633 sqft
1st Floor Area	2,704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	24,045 sqft (0.552 acres)
Driveway	Concrete Driveway
Driveway Area	1,402 sqft
Pool Area	364 sqft
Deck Area	791 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4 TWISTED OAK PL
City	PALM COAST
State	FL
Zip	32137-8059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKS NORTH SUBD LOT 2 OR 534 PG 264 OR 1681/196-RDMAN RACE TRUST OR 2013/397-DC OR 2051/- 684-685-DC & ACM OR 2066/598 OR 2284/1962
Legal Range	31E
Legal Township	11S
Legal Section	44
Legal Subdivision	OAKS NORTH SUBD
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1012
Census Tract	60103

Owner

4 Twisted Oak Pl is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 TWISTED OAK PL, PALM COAST, FL 32137-8059
Occupancy	Owner Occupied
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
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Prior Sale	May 28, 2015 · Amount on File
Deed Document Number	201821506
Deed Book / Page	2284 / 1962
Prior Transfer Date	Sep 19, 2008
Prior Transfer Doc	0016810196
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	4 TWISTED OAK PL, PALM COAST, FL 32137-8059
Document Number	0024640108
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 TWISTED OAK PL PALM COAST FL 321378059, PALM COAST, FL 32137-8059

Mortgage

Document Number	0024640108
Date	Aug 4, 2020
Book Page	002464/000108
Instrument	29795

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 11, 2018
Property Address	4 TWISTED OAK PL, PALM COAST, FL 32137-8059
Document Number	0022841962
Book / Page	2284 / 1962
Map Reference	MB30 PG2&3
Instrument Date	May 21, 2018
Instrument	2018021506
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PIONEER TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 TWISTED OAK PL, PALM COAST, FL 32137-8059

Mortgage

Document Number	2018021507
Date	Jun 11, 2018
Instrument	2018021507

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4 Twisted Oak Pl was $4,402 with a homeowner's exemption, up 2.4% from the year before.

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	$4,402.00 (+2.4%) Homeowner's exemption	$285,374	$411,305 Land $90,500 Building $320,805
2024	$4,299.00 (+2.43%)
2023	$4,197.00 (+0.87%) Homeowner's exemption	$269,253 (+3%)	$419,259 (+3.3%) Land $90,500 Building $328,759
2022	$4,161.00 Homeowner's exemption	$261,410	$405,859 Land $90,500 Building $315,359

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

Flood

FEMA maps place 4 Twisted Oak Pl in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1982.

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 50 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	364 units insured incl. 314 condo units
Nearby Flood Claims	19 (1982–2022)
Claims Outside the SFHA	17 of 19
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 3 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 4 Twisted Oak Pl is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, T-Mobile.

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