48 Oakleaf Way, Palm Coast, FL 32137 Property Records

Flagler County property record for 48 Oakleaf Way, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,003 sqft · built 2021
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Trust Names on File
Last Sale	$330,000 (Sep 2026)
Tax Bill	$4,434 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-1320`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-1320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,003 sqft Living Area
1st Floor Area	2,003 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Stucco
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 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 132 OR 2446/175
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST PARK
Legal Lot Number	132
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

Owner

48 Oakleaf Way is held in a trust since September 2026.

Source: Flagler County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	48 OAKLEAF WAY, PALM COAST, FL 32137-9802
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Warranty Deed, Transfer LANDMARK TITLE
Jun 25, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SHELTER MORTGAGE COMPANY LLC
May 29, 2020	Loan Modification, Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on File
Deed Sale	Sep 17, 2026 · Amount on File
Prior Sale	Jun 25, 2021 · Amount on File
Deed Document Number	202637877
Deed Book / Page	3087 / 1523
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 17, 2026
Property Address	48 OAKLEAF WAY, PALM COAST, FL 32137-9802
Document Number	0000037877
Book / Page	3087 / 1523
Instrument Date	Sep 10, 2026
Instrument	202637877
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	LANDMARK TITLE

Transaction

Amount	Amount on Record
Tax	$233,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	48 OAKLEAF WAY, PALM COAST, FL 32137-9802

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 25, 2021
Property Address	48 OAKLEAF WAY, PALM COAST, FL 32137-9802
Document Number	0025780351
Book / Page	2578 / 351
Map Reference	MB 39 PG 36-43
Instrument Date	Jun 23, 2021
Instrument	2021035371
Transaction Type	Subdivision Related Transfer
Record Updated	May 19, 2023
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,102.80
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	48 OAKLEAF WAY, PALM COAST, FL 32137-9802

Mortgage

Document Number	0002578353
Date	Jun 25, 2021
Instrument	2578/353

Lender

Name	SHELTER MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	48 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 on Record

Tax Assessment & Valuation

The 2025 property tax bill for 48 Oakleaf Way was $4,434.

Source: Flagler County assessment roll, as of December 8, 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	$4,434.00	$287,141 Land $46,000 Building $241,141	$287,141 Land $46,000 Building $241,141
2023	$6,568.00 (-9.48%) Homeowner's exemption	$304,554 (+3.55%) Land $53,500 Building $251,054	$304,554 (+3.55%) Land $53,500 Building $251,054
2022	$7,256.00	$294,124 Land $53,500 Building $240,624	$294,124 Land $53,500 Building $240,624

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 48 Oakleaf Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 48 Oakleaf Way is high, ranking above 72% of the US, with a 0.3% annual chance of 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

Nearby Properties on Oakleaf Way

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