Flagler County property record for 41 Whittingham Ln, Palm Coast, FL 32164
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (May 2026) |
| Tax Bill | $617 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7023-00220-0320 |
| Primary APN | 07-11-31-7023-00220-0320 |
|---|
| Lot Area | 10,001 sqft (0.23 acres) |
|---|
| Street Address | 41 WHITTINGHAM LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-7217 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | PALM COAST SEC 23 BLK 22 LOT 32 OR 347 PG 945 OR 1144 PG 625 OR 1775/1587-DREIZINE TRUST |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 22 |
| Legal Lot Number | 32 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 60211 |
Source: Flagler County records, as of June 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 41 WHITTINGHAM LN, PALM COAST, FL 32164-7217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 2, 2025 | Deed of Trust, Mortgage · Commercial Mortgage ALTO CAPITAL HOLDINGS LLC |
| May 21, 2026 | Warranty Deed, Transfer · FHA Mortgage SGM MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Apr 23, 2025 · Amount on Record |
| Deed Document Number | 202620823 |
| Deed Book / Page | 3056 / 1931 |
| Prior Transfer Date | Apr 10, 2025 |
| Prior Transfer Doc | 0029531887 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 41 WHITTINGHAM LN, PALM COAST, FL 32164-7217 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0029721476 |
|---|---|
| Date | Jul 2, 2025 |
| Book Page | 2972/1476 |
| Instrument | 2025027596 |
| Name | ALTO CAPITAL HOLDINGS LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33181 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 17 Months |
| Due | Dec 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 21, 2026 |
| Property Address | 41 WHITTINGHAM LN, PALM COAST, FL 32164-7217 |
| Document Number | 0000020823 |
| Book / Page | 3056 / 1931 |
| Instrument Date | May 11, 2026 |
| Instrument | 202620823 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | CNERGY TITLE & ESCROW, CNERGY TITLE ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222,705.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 WHITTINGHAM LN, PALM COAST, FL 32164-7217 |
| Document Number | 0000020824, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202620824 |
| Name | SGM MORTGAGE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $617.00 (-24.76%) | $51,500 (+14.44%) Land $51,500 | $51,500 (+14.44%) Land $51,500 |
| 2024 | $820.00 (+54.14%) | ||
| 2023 | $532.00 (+1.92%) | $45,000 (-1.1%) Land $45,000 | $45,000 (-1.1%) Land $45,000 |
| 2022 | $522.00 | $45,500 Land $45,500 | $45,500 Land $45,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 66 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 302 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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