402 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 402 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,717 sqft · built 2019
Lot Size	0.49 acres (21,353 sqft)
Owner	2 Company Names on Record
Last Sale	$87,500 (Sep 2017)
Tax Bill	$4,605 (2025)
Deeds & Mortgages	Apr 2023 Transfer May 2020 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`12-12-31-1286-00000-0050`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-1286-00000-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,717 sqft Living Area
Gross Area	3,614 sqft
1st Floor Area	1,717 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,353 sqft (0.49 acres)
Driveway	Concrete Driveway
Driveway Area	1,930 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 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 5 OR 866 PG 948 OR 866 PG 988 OR 876 PG 1740 OR 1021 PG 76 OR 2232/46
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	CUSTERS PALM HARBOR PHASE II
Legal Phase	2
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1001
Census Tract	60304

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 Company Names on Record
Mailing Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Intrafamily Transfer, Transfer ATTORNEY
May 7, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Sep 27, 2017	Warranty Deed, Transfer AMERICAS CHOICE TITLE AGENCY, AMERICA'S CHOICE TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2017 · Amount on Record
Deed Sale	Sep 27, 2017 · Amount on Record
Prior Sale	Dec 16, 2003 · Amount on Record
Deed Document Number	201733604
Deed Book / Page	2232 / 46
Last Transfer Date	Mar 22, 2023
Transfer Doc	0027720374
Record Updated	Jun 8, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Apr 17, 2023
Property Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0027720374
Book / Page	2772 / 374
Map Reference	MB 33 PG 28
Instrument Date	Mar 22, 2023
Instrument	2023015642
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408
Transaction Type	Mortgage
Record Updated	Mar 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024400893
Date	May 7, 2020
Book Page	2440/893
Instrument	2020017122

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Mar 25, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 27, 2017
Property Address	402 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0022320046
Book / Page	002232 / 000046
Instrument Date	Sep 13, 2017
Instrument	33604
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	AMERICAS CHOICE TITLE AGENCY, AMERICA'S CHOICE TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$612.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 TRACEWAY CT ORMOND BEACH FL 321741831, ORMOND BEACH, FL 32174-1831

Tax Assessment & Valuation

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	$4,605.00 (+3.53%) Homeowner's exemption	$279,445 (+6.48%)	$438,154 (+0.16%) Land $112,000 Building $326,154
2024	$4,448.00 (+2.87%)
2023	$4,324.00 (+7.7%) Homeowner's exemption	$262,451 (+7.07%)	$437,455 (+3.99%) Land $112,000 Building $325,455
2022	$4,015.00 Homeowner's exemption	$245,122	$420,661 Land $112,000 Building $308,661

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 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 Record 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

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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