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

Flagler County property record for 40 Whispering Pine Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,211 sqft · built 1990
Lot Size	0.551 acres (24,002 sqft)
Owner	Individual Name on File
Tax Bill	$5,022 (2025)
Deeds & Mortgages	Nov 2021 Sale Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7023-00110-0080`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7023-00110-0080`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,211 sqft Heated Area
Gross Area	3,121 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,002 sqft (0.551 acres)
Driveway	Driveway
Driveway Area	1,134 sqft
Pool Type	Enclosed Pool
Pool Area	450 sqft
Deck Area	1,100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	40 WHISPERING PINE DR
City	PALM COAST
State	FL
Zip	32164-7255
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 23 BLK 11 LTS 8 & 9 OR 273 PG 721 OR 465 PG 175 (RMDRMN MARTIN D & ALINE L HANTZ TRUSTEES) COMBINED FOR 19
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	11
Legal Lot Number	8,9 9
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3000
Census Tract	60211

Owner

40 Whispering Pine Dr is owned and occupied by an individual who acquired it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255
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
Nov 12, 2021	Warranty Deed, Transfer HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC
Aug 4, 2021	Warranty Deed, Transfer · Conventional Mortgage JET DIRECT FUNDING CORP
Mar 3, 2017	Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021
Deed Sale	Nov 12, 2021
Prior Sale	Aug 4, 2021 · Amount on File
Deed Document Number	2021062365
Deed Book / Page	2627 / 371
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 12, 2021
Property Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255
Document Number	0026270371
Book / Page	2627 / 371
Map Reference	MB 8 PG 23-38
Instrument Date	Jul 30, 2021
Instrument	2021062365
Transaction Type	Transfer
Record Updated	Dec 6, 2021
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 LIVINGSTON RD, 224, LINDEN, NJ 07036-4922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 4, 2021
Property Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255
Document Number	0025910455
Book / Page	2591 / 455
Map Reference	MB 8 PG 23-38
Instrument Date	Jul 30, 2021
Instrument	2021042590
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,132.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 LIVINGSTON RD, 224, LINDEN, NJ 07036-4922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255

Mortgage

Document Number	2591457
Date	Aug 4, 2021
Instrument	2591/457

Lender

Name	JET DIRECT FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 3, 2017
Property Address	40 WHISPERING PINE DR, PALM COAST, FL 32164-7255
Document Number	0021901102
Book / Page	2190 / 1102
Map Reference	MB8 PG23-38
Instrument Date	Feb 27, 2017
Instrument	2017007752
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 PONDEROSA LN, 28, PALM COAST, FL 32164-6750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LIVINGSTON RD, LINDEN, NJ 07036-4922

Mortgage

Document Number	2017007753
Date	Mar 3, 2017
Instrument	2017007753

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 40 Whispering Pine Dr was $5,022 with a homeowner's exemption.

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	$5,022.00 Homeowner's exemption	$319,506 Land $90,125 Building $229,381	$319,506 Land $90,125 Building $229,381
2023	$5,203.00 (-13.17%) Homeowner's exemption	$323,548 (+2.74%) Land $78,750 Building $244,798	$323,548 (+2.74%) Land $78,750 Building $244,798
2022	$5,992.00	$314,932 Land $79,625 Building $235,307	$314,932 Land $79,625 Building $235,307

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

Flood

FEMA maps place 40 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 40 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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