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41 Oak View Cir E, Palm Coast, FL 32137 Property Records

Flagler County property record for 41 Oak View Cir E, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,690 sqft · built 2015
Lot Size0.693 acres (30,165 sqft)
Owner2 Individual Names on Record
Last Sale$1,100,000 (May 2024)
Tax Bill$11,884 (2025)
Deeds & MortgagesJul 2021 Mortgage
Mar 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN04-11-31-3503-00000-0220

Property Details

APN / Parcel Number

Primary APN04-11-31-3503-00000-0220

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,690 sqft Living Area
Gross Area4,394 sqft
1st Floor Area2,690 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialConcrete
Lot Area30,165 sqft (0.693 acres)
Pool Area880 sqft
PorchEnclosed Porch
Deck Area520 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address41 OAK VIEW CIR E
CityPALM COAST
StateFL
Zip32137-3392
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionOCEAN HAMMOCK PARCEL B-3 LOT 22 OR 744/1060 OR 1963/86 OR 2455/1510
Legal Range31E
Legal Township11S
Legal Section04
Legal SubdivisionOCEAN HAMMOCK
Legal Block3
Legal Lot Number22
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group2
Census Block2002
Census Tract60106

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 Record2 Individual Names on Record
Mailing Address41 OAK VIEW CIR E, PALM COAST, FL 32137-3392
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
CITIZENS BANK NA
Mar 16, 2021Warranty Deed, Transfer · VA Mortgage
CITIZENS BANK NA
Jul 6, 2020Warranty Deed, Transfer · VA Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 14, 2024 · Amount on Record
Deed SaleMay 14, 2024 · Amount on Record
Prior SaleMar 16, 2021 · Amount on Record
Deed Document Number202420135
Deed Book / Page2869 / 264
Last Transfer DateFeb 20, 2025
Transfer Doc0029381658
Record UpdatedJun 8, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address41 OAK VIEW CIR E, PALM COAST, FL 32137-3392
Transaction TypeMortgage
Record UpdatedAug 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address41 OAK VIEW CIR E, PALM COAST, FL 32137-3392

Mortgage

Document Number0025880326
DateJul 27, 2021
Book Page2588/326
Instrument2021040878
Lender
NameCITIZENS BANK NA
TypeBank
AddressPROVIDENCE, RI 02903
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateMar 16, 2021
Property Address41 OAK VIEW CIR E, PALM COAST, FL 32137-3392
Document Number0025381622
Book / Page2538 / 1622
Map ReferenceMB 31 PG 97-99
Instrument DateMar 12, 2021
Instrument2021013796
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,040.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address41 OAK VIEW CIR E, 41, PALM COAST, FL 32137-3392

Transferred To (Grantee/Buyer)

NameVerified Name
Address1284 GRAND RIDGE CIR, GULF BREEZE, FL 32563-5329

Mortgage

Document Number25381624
DateMar 16, 2021
Instrument2538/1624
Lender
NameCITIZENS BANK NA
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 6, 2020
Property Address41 OAK VIEW CIR E, PALM COAST, FL 32137-3392
Document Number0024551510
Book / Page002455 / 001510
Instrument DateJun 19, 2020
Instrument25254
Transaction TypeTransfer
Record UpdatedAug 7, 2020
Title CompanyCOVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$4,599.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address41 OAK VIEW CIR E PALM COAST FL 321373392, PALM COAST, FL 32137-3392

Mortgage

Document Number24551514
DateJul 6, 2020
Book Page002455/001514
Instrument25255
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 5, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$11,884.00 (+2.71%)$884,701 (+10.31%) Land $203,550 Building $681,151$884,701 (-8.16%) Land $203,550 Building $681,151
2024$11,570.00 (+2.08%)
2023$11,334.00 (+3.88%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$802,036 (+3%)$963,274 (+9.97%) Land $222,525 Building $740,749
2022$10,911.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$778,675$875,957 Land $164,450 Building $711,507

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 290 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,079 units insured
incl. 789 condo units
Nearby Flood Claims148 (1992–2022)
Claims Outside the SFHA60 of 148
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Ian, Oct 2022 · 8 claims
  • Hurricane Irma, Oct 2017 · 17 claims
  • Hurricane Matthew, Oct 2016 · 111 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% 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 SystemDUNES COMMUNITY DEVELOPMENT DISTRICT
private · serves 5,054 people · EPA ID FL2184259
Water SourceGroundwater
Last State InspectionJan 2025
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 ReportingNone
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 204 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
AT&T
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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