400 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 400 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,499 sqft · built 2022
Lot Size	0.492 acres (21,427 sqft)
Owner	Individual Name on File
Last Sale	$980,000 (Aug 2026)
Tax Bill	$10,232 (2025)
Deeds & Mortgages	Aug 2026 Sale Feb 2026 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`12-12-31-1286-00000-0040`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-1286-00000-0040`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,499 sqft Living Area
1st Floor Area	3,499 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,427 sqft (0.492 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	400 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUSTERS PALM HARBOR PHASE II LOT 4 OR 866 PG 948 OR 866 PG 986 OR 1139 PG 239 OR 1636 PG 1589 OR 2127/687 OR 2217/1851
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	CUSTERS PALM HARBOR PHASE II
Legal Phase	2
Legal Lot Number	4
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1001
Census Tract	60304

Owner

400 Palm Dr is owned and occupied by an individual who bought it in August 2026.

Source: Flagler County records, as of September 2, 2026

Owner of Record	Individual Name on File
Mailing Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Aug 20, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Feb 20, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 28, 2023	Intrafamily Transfer, Transfer · Line of Credit INTRACOASTAL BANK
Jul 14, 2017	Warranty Deed, Transfer · Line of Credit INTRACOASTAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Prior Sale	Jul 14, 2017 · Amount on File
Deed Document Number	202634000
Deed Book / Page	3080 / 1960
Prior Transfer Date	Dec 20, 2002
Prior Transfer Doc	0885000824
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 20, 2026
Property Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0000034000
Book / Page	3080 / 1960
Instrument Date	Aug 17, 2026
Instrument	202634000
Transaction Type	Transfer
Record Updated	Sep 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$692,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Feb 20, 2026
Property Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0030311119
Book / Page	3031 / 1119
Map Reference	MB 33 PG 28
Instrument Date	Feb 11, 2026
Instrument	2026007498
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Dec 28, 2023
Property Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0028360601
Book / Page	2836 / 601
Map Reference	MB 33 PG 28
Instrument Date	Dec 8, 2023
Instrument	2023055668
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408

Mortgage

Document Number	0002836603
Date	Dec 28, 2023
Instrument	2836/603

Lender

Name	INTRACOASTAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 14, 2017
Property Address	400 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0022171851
Book / Page	2217 / 1851
Map Reference	MB33 PG28
Instrument Date	Jul 7, 2017
Instrument	2017024553
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COAST TITLE INS AG INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	372 LONG MEADOW WAY, 372, ARNOLD, MD 21012-3004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 WHITEHURST RD, DELAND, FL 32720-2037

Mortgage

Document Number	2017024554
Date	Jul 14, 2017
Instrument	2017024554

Lender

Name	INTRACOASTAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 400 Palm Dr was $10,232, up 3.6% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,232.00 (+3.65%)	$567,468	$833,362 Land $112,000 Building $721,362
2024	$9,872.00 (+2.54%)
2023	$9,627.00 (+424.92%) Homeowner's exemption	$531,337 (+374.41%)	$826,188 (+637.67%) Land $112,000 Building $714,188
2022	$1,834.00	$112,000 Land $112,000	$112,000 Land $112,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 400 Palm Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	4.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 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 400 Palm Dr is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.05% 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	FLAGLER BEACH WTP serves 4,830 people · EPA ID FL2180349
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 112 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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