44 Oakleaf Way, Palm Coast, FL 32137 Property Records

Flagler County property record for 44 Oakleaf Way, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,973 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$355,000 (Jan 2024)
Tax Bill	$5,228 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-1300`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-1300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,973 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	44 OAKLEAF WAY
City	PALM COAST
State	FL
Zip	32137-9802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SAWMILL CREEK AT PALM COAST PARK MB 39 PG 36 LOT 130 OR 2446/175
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST
Legal Lot Number	130
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

Owner

Source: Flagler County records, as of December 22, 2025

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
Co-owner	Co-owner on Record
Mailing Address	54 MAIN ST, CHESTER, NY 10918-1329
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 2, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC
May 29, 2020	Loan Modification, Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	Sep 2, 2021 · Amount on Record
Deed Document Number	2024003833
Deed Book / Page	2842 / 1701
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 30, 2024
Property Address	44 OAKLEAF WAY, PALM COAST, FL 32137-9802
Document Number	0028421701
Book / Page	2842 / 1701
Map Reference	MB 39 PG 36-43
Instrument Date	Dec 27, 2023
Instrument	2024003833
Transaction Type	Transfer
Record Updated	Feb 8, 2024
Title Company	NU WORLD TITLE LLC, NU WORLD TITLE OF TAMPA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 S RIVERWALK DR, PALM COAST, FL 32137-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 OAKLEAF WAY, PALM COAST, FL 32137-9802

Mortgage

Document Number	0028421707
Date	Jan 30, 2024
Instrument	2842/1707

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

September 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 2, 2021
Property Address	44 OAKLEAF WAY, PALM COAST, FL 32137-9802
Document Number	0026020631
Book / Page	2602 / 631
Map Reference	MB 39 PG 36-43
Instrument Date	Aug 30, 2021
Instrument	2021048602
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2023
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,024.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 OAKLEAF WAY, PALM COAST, FL 32137-9802

Mortgage

Document Number	0002602633
Date	Sep 2, 2021
Instrument	2602/633

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	44 OAKLEAF WAY, PALM COAST, FL 32137-9802
Document Number	0024460179
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	HB TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	0024460179
Date	Jun 2, 2020
Book Page	002446/000179
Instrument	20163

Lender

Name	FIFTH THIRD BK NA
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Palm Coast City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,228.00 (-29.05%)	$287,671 (-5.71%) Land $46,000 Building $241,671	$287,671 (-5.71%) Land $46,000 Building $241,671
2023	$7,369.00 (+1.42%)	$305,086 (+3.54%) Land $53,500 Building $251,586	$305,086 (+3.54%) Land $53,500 Building $251,586
2022	$7,266.00	$294,648 Land $53,500 Building $241,148	$294,648 Land $53,500 Building $241,148

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	3 (2001–2024)
Claims Outside the SFHA	1 of 3
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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