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407 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 407 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,691 sqft · built 1993
Lot Size0.493 acres (21,484 sqft)
Owner2 Individual Names on Record
Last Sale$1,050,000 (Jul 2026)
Tax Bill$5,314 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN12-12-31-1285-00000-0040

Property Details

APN / Parcel Number

Primary APN12-12-31-1285-00000-0040

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,691 sqft Living Area
Gross Area3,786 sqft
1st Floor Area2,691 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1998
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area21,484 sqft (0.493 acres)
Lot Width82 ft Width
DrivewayConcrete Driveway
Driveway Area570 sqft
Pool Area450 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address407 PALM DR
CityFLAGLER BEACH
StateFL
Zip32136-3482
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCUSTERS PALM HARBOR S/D LT 4 OR 377 PG 75 OR 475 PG 101 OR 583 PG 858-RDMAN VOGEL TRUST
Legal Range31E
Legal Township12S
Legal Section12
Legal SubdivisionCUSTERS PALM HARBOR
Legal Lot Number4
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group1
Census Block1001
Census Tract60304

Owner

Source: Flagler County records, as of August 6, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address407 PALM DR, FLAGLER BEACH, FL 32136-3482
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 25, 2026 · Amount on Record
Deed SaleJul 25, 2026 · Amount on Record
Deed Document Number202630363
Deed Book / Page3074 / 784
Prior Transfer DateMay 16, 1997
Prior Transfer Doc0583000858
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 25, 2026
Property Address407 PALM DR, FLAGLER BEACH, FL 32136-3482
Document Number0000030363
Book / Page3074 / 784
Instrument DateJul 21, 2026
Instrument202630363
Transaction TypeTransfer
Record UpdatedSep 21, 2026
Title CompanyVETERANS TITLE INC, VETERANS TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$742,350.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 PALM DR, FLAGLER BEACH, FL 32136-3482

Mortgage

Document Number0000030364,
DateJul 25, 2026
Instrument202630364
Lender
NameUNITED WHOLESALE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityFlagler Beach City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,314.00 (+5.79%) Homeowner's exemption$315,703 (+5.99%)$589,743 (-1.04%) Land $254,200 Building $335,543
2023$5,023.00 (+2.7%) Homeowner's exemption$297,870 (+3%)$595,946 (+1.71%) Land $254,200 Building $341,746
2022$4,891.00 Homeowner's exemption$289,194$585,940 Land $254,200 Building $331,740

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 127 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies127 in force
Nearby Flood Claims69 (1995–2026)
Claims Outside the SFHA8 of 69
Most Recent ClaimMay 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.05% annual chance
ExposureNone
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 SystemFLAGLER BEACH WTP
serves 4,830 people · EPA ID FL2180349
Water SourceGroundwater
Last State InspectionJun 2023
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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