406 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 406 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,590 sqft · built 2016
Lot Size	0.447 acres (19,502 sqft)
Owner	2 Individual Names on File
Last Sale	$92,000 (Aug 2015)
Tax Bill	$1,885 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`12-12-31-1286-00000-0070`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-1286-00000-0070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	2,590 sqft Heated Area
Gross Area	5,242 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	19,502 sqft (0.447 acres)
Garage Type	Carport
Carport	Carport
Carport Area	360 sqft
Driveway	Driveway
Driveway Area	2,444 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	406 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 7 OR 866 PG 948 OR 882 PG 866 OR 1030/715 OR 2082/1270
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	CUSTERS PALM HARBOR PHASE II
Legal Phase	2
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1001
Census Tract	60304

Owner

Source: Flagler County records · APN 12-12-31-1286-00000-0070

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	406 PALM DR, FLAGLER BEACH, FL 32136-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2015 · Amount on Record
Deed Sale	Aug 26, 2015 · Amount on Record
Prior Sale	Jan 12, 2004 · Amount on Record
Deed Document Number	2015026155
Deed Book / Page	2082 / 1270
Record Updated	Jun 08, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	406 PALM DR, FLAGLER BEACH, FL 32136-3408
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021790635
Date	Jan 05, 2017
Book Page	2179/0635
Instrument	2017000436

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2032

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,885.00 (-47.12%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$370,388 (+5.99%)	$576,519 (-0.32%) Land $112,000 Building $464,519
2023	$3,565.00 (+2.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$349,465 (+3%)	$578,354 (+3.08%) Land $112,000 Building $466,354
2022	$3,472.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$339,286	$561,051 Land $112,000 Building $449,051

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Based on FCC filings for 112 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FLAGLER BEACH WTP serves 4,830 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.