69 Whispering Pine Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 69 Whispering Pine Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 1994
Lot Size	0.254 acres (11,064 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Apr 2016)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7023-00090-0180`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7023-00090-0180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	2,731 sqft
1st Floor Area	1,515 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2003
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,064 sqft (0.254 acres)
Driveway	Concrete Driveway
Driveway Area	496 sqft
Patio Area	299 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	69 WHISPERING PINE DR
City	PALM COAST
State	FL
Zip	32164-7294
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 23 BLOCK 00009 LOT 0018 SUBDIVISION COMPLETION YEAR 1980 OR 189 PG 583 OR 212 PG 954 OR 510 PG 802 OR 846/1164 OR 1643/1786 OR 2117/141 OR 2124/1532
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	9
Legal Lot Number	18
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3001
Census Tract	60211

Owner

69 Whispering Pine Dr is owned by an individual who bought it in April 2016.

Source: Flagler County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	4167 ACOMA DR, ORMOND BEACH, FL 32174-9310
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2016 · Amount on File
Deed Sale	Apr 28, 2016 · Amount on File
Prior Sale	Feb 13, 2008 · Amount on File
Deed Document Number	201612519
Deed Book / Page	2124 / 1532
Prior Transfer Date	Feb 25, 2016
Prior Transfer Doc	0021170141
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	69 WHISPERING PINE DR, PALM COAST, FL 32164-7294
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025071487
Date	Dec 21, 2020
Book Page	2507/1487
Instrument	2020053547

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 69 Whispering Pine Dr was $4,283, up 166% from the year before.

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	$4,283.00 (+166.02%)	$235,666 Land $51,500 Building $184,166	$235,666 Land $51,500 Building $184,166
2024	$1,610.00 (+3.4%)
2023	$1,557.00 (+1.83%) Homeowner's exemption	$126,761 (+3%)	$235,141 (+2.11%) Land $45,000 Building $190,141
2022	$1,529.00 Homeowner's exemption	$123,069	$230,287 Land $45,500 Building $184,787

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

Flood

FEMA maps place 69 Whispering Pine Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 File 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.

Wildfire

Wildfire risk around 69 Whispering Pine Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 288 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

May also be available: Metronet.

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