409 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 409 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,585 sqft · built 2004
Lot Size	0.504 acres (21,946 sqft)
Owner	Company Name on Record
Last Sale	$870,000 (Jun 2021)
Tax Bill	$2,413 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`12-12-31-1285-00000-0050`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-1285-00000-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,585 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	2,585 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,946 sqft (0.504 acres)
Lot Width	91 ft Width
Driveway	Concrete Driveway
Driveway Area	1,102 sqft
Pool Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3482
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUSTERS PALM HARBOR S/D LOT 5 MB 27 P 10 OR 377 PG 75 OR 474 PG 1009 OR 480 PG 485 OR 651 PG 689 OR 1856/60 OR 2376/479- RDMAN RICHARD LOUIS HOWARD
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	CUSTERS PALM HARBOR
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	Company Name on Record
Mailing Address	409 PALM DR, FLAGLER BEACH, FL 32136-3482
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Aug 13, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Feb 23, 2012 · Amount on Record
Deed Document Number	202130603
Deed Book / Page	2569 / 1074
Prior Transfer Date	Aug 12, 2019
Prior Transfer Doc	0023760479
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 4, 2021
Property Address	409 PALM DR, FLAGLER BEACH, FL 32136-3482
Document Number	0025691074
Book / Page	2569 / 1074
Map Reference	MB 27 PG 10
Instrument Date	May 27, 2021
Instrument	2021030603
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,090.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	505 C ST, 505, SAINT AUGUSTINE, FL 32080-6829

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2052 NICKLAUS DR, SUFFOLK, VA 23435-4104

Mortgage

Document Number	25691076
Date	Jun 4, 2021
Instrument	2569/1076

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 13, 2019
Property Address	409 PALM DR, FLAGLER BEACH, FL 32136-3482
Document Number	0023760479
Book / Page	002376 / 000479
Instrument Date	Aug 12, 2019
Instrument	29793
Transaction Type	Transfer
Record Updated	Aug 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1056 GRAND ISLE DR NAPLES FL 341083323, NAPLES, FL 34108-3323

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	$2,413.00 (-1.19%) Homeowner's exemption Veteran's exemption	$666,308 (-0.57%) Land $282,100 Building $384,208	$666,308 (-0.57%) Land $282,100 Building $384,208
2024	$2,442.00 (-0.45%)
2023	$2,453.00 (-80.74%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$670,140 (+4.53%) Land $282,100 Building $388,040	$670,140 (+4.53%) Land $282,100 Building $388,040
2022	$12,738.00	$641,124 Land $282,100 Building $359,024	$641,124 Land $282,100 Building $359,024

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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