Flagler County property record for 42 Elder Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,986 sqft · built 2001 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $39,900 (Feb 2021) |
| Tax Bill | $2,625 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7034-00540-0020 |
| Primary APN | 07-11-31-7034-00540-0020 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,986 sqft Living Area |
| Gross Area | 2,457 sqft |
| 1st Floor Area | 1,986 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,411 sqft (0.239 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 880 sqft |
| Pool Area | 178 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 42 ELDER DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 34 BLOCK 00054 LOT 0002 OR 552 PG 509 OR 701 PG 893 OR 928 PG 437 OR 1158/1053 OR 2062/702 OR 2062/705 OR 2080/1990 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 54 |
| Legal Lot Number | 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 60218 |
Source: Flagler County records, as of July 7, 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 | 42 ELDER DR, PALM COAST, FL 32164-6253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Line of Credit AMERIS BANK |
| Sep 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on Record |
| Deed Sale | Feb 4, 2021 · Amount on Record |
| Prior Sale | Aug 18, 2015 · Amount on Record |
| Deed Document Number | 20215896 |
| Deed Book / Page | 2523 / 410 |
| Prior Transfer Date | Apr 17, 2015 |
| Prior Transfer Doc | 0020620705 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 24, 2026 |
| Property Address | 42 ELDER DR, PALM COAST, FL 32164-6253 |
| Document Number | 0000025387 |
| Book / Page | 3065 / 394 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202625387 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 42 ELDER DR, PALM COAST, FL 32164-6253 |
| Document Number | 0000025387, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 3065/394 |
| Instrument | 202625387 |
| Name | AMERIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 8, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.72% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 42 ELDER DR, PALM COAST, FL 32164-6253 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0023861030 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 2386/1030 |
| Instrument | 2019035634 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
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 | $2,625.00 (+2.62%) Homeowner's exemption | $187,617 (+5.99%) | $320,425 (+4.49%) Land $65,500 Building $254,925 |
| 2024 | $2,558.00 (+2.81%) | ||
| 2023 | $2,488.00 (+33.91%) Homeowner's exemption | $177,019 (+26.08%) | $306,652 (+19.64%) Land $57,500 Building $249,152 |
| 2022 | $1,858.00 Homeowner's exemption | $140,405 | $256,314 Land $59,500 Building $196,814 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 111 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 111 in force |
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 96% of the US · lower than 96% 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 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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