414 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 414 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,758 sqft · built 1992
Lot Size	0.235 acres (10,219 sqft)
Owner	Individual Name on Record
Last Sale	$260,050 (Apr 2016)
Tax Bill	$4,236 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Dec 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`12-12-31-1285-00000-0180`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-1285-00000-0180`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,758 sqft Living Area
Gross Area	3,600 sqft
1st Floor Area	2,758 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Concrete Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,219 sqft (0.235 acres)
Driveway	Concrete Driveway
Driveway Area	425 sqft
Pool Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	414 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUSTERS PALM HARBOR S/D LOT 18 MB 27 P 10 OR 377 PG 75 OR 425 PG 60 OR 435 PG 1309 OR 610 PG 1546 OR 648 PG 1243 OR 964 PG 948 OR 2123/947 OR 2325/1205
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	CUSTERS PALM HARBOR
Legal Lot Number	18
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 October 16, 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	414 PALM DR, FLAGLER BEACH, FL 32136-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Dec 18, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2016 · Amount on Record
Deed Sale	Apr 21, 2016 · Amount on Record
Prior Sale	Apr 1, 2016 · Amount on Record
Deed Document Number	201611799
Deed Book / Page	2123 / 947
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Recording Date	Oct 5, 2026
Property Address	414 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0000040524
Book / Page	3092 / 962
Instrument Date	Sep 28, 2026
Instrument	202640524
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 PALM DR, FLAGLER BEACH, FL 32136-3408

Mortgage

Document Number	0000040524,
Date	Oct 5, 2026
Book Page	3092/962
Instrument	202640524

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 18, 2018
Property Address	414 PALM DR, FLAGLER BEACH, FL 32136-3408
Document Number	0023251205
Book / Page	002325 / 001205
Instrument Date	Dec 10, 2018
Instrument	47141
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 PALM DR FLAGLER BEACH FL 321363408, FLAGLER BEACH, FL 32136-3408

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	$4,236.00 (+7.05%) Homeowner's exemption	$260,535 (+6.84%)	$418,422 (-0.54%) Land $81,000 Building $337,422
2023	$3,957.00 (+2.81%) Homeowner's exemption	$243,846 (+3%)	$420,710 (+3.48%) Land $81,000 Building $339,710
2022	$3,849.00 Homeowner's exemption	$236,744	$406,563 Land $81,000 Building $325,563

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 69% of the US · above 49% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Palm Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures