86 Pine Circle Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 86 Pine Circle Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,673 sqft · built 2023
Lot Size	0.23 acres (10,062 sqft)
Owner	Individual Name on File
Last Sale	$337,400 (Jun 2023)
Tax Bill	$4,350 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7026-00270-0260`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7026-00270-0260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,673 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,062 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	86 PINE CIRCLE DR
City	PALM COAST
State	FL
Zip	32164-7044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 26 BLOCK 00027 LOT 0026 SUBDIVISION COMPLETION YEAR 1980 OR 192 PG 660 OR 196 PG 117 OR 196 PG 121 OR 281
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	27
Legal Lot Number	26
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1012
Census Tract	60213

Owner

86 Pine Circle Dr is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	86 PINE CIRCLE DR, PALM COAST, FL 32164-7044
Occupancy	Owner Occupied
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

Date	Document
Jun 14, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 21, 2021	Warranty Deed, Transfer
Sep 10, 2020	Warranty Deed, Transfer COAST TITLE, COAST TITLE INS AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2023 · Amount on File
Deed Sale	Jun 14, 2023 · Amount on File
Prior Sale	Oct 21, 2021
Deed Document Number	2023025372
Deed Book / Page	2788 / 648
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 14, 2023
Property Address	86 PINE CIRCLE DR, PALM COAST, FL 32164-7044
Document Number	0027880648
Book / Page	2788 / 648
Map Reference	MB 9 PG 26
Instrument Date	Jun 1, 2023
Instrument	2023025372
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2023
Title Company	AVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,361.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # PKWY7, PKWY7, PALM COAST, FL 32164-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	86 PINE CIRCLE DR, PALM COAST, FL 32164-7044

Mortgage

Document Number	0002788650
Date	Jun 14, 2023
Instrument	2788/650

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 21, 2021
Property Address	86 PINE CIRCLE DR, PALM COAST, FL 32164-7044
Document Number	0026191559
Book / Page	2619 / 1559
Map Reference	MB 35 PG 528
Instrument Date	Oct 8, 2021
Instrument	2021058271
Transaction Type	Transfer
Record Updated	Nov 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # PKWY7, 185, PALM COAST, FL 32164-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CYPRESS POINT PKWY, PALM COAST, FL 32164-8407
Investor	Possibly a Property Investor

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 10, 2020
Property Address	86 PINE CIRCLE DR, PALM COAST, FL 32164-7044
Document Number	0024750727
Book / Page	002475 / 000727
Instrument Date	Sep 4, 2020
Instrument	35936
Transaction Type	Transfer
Record Updated	Oct 6, 2020
Title Company	COAST TITLE, COAST TITLE INS AGENCY

Transaction

Amount	Amount on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 86 Pine Circle Dr was $4,350 with a homeowner's exemption.

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	$4,350.00 Homeowner's exemption	$282,523 Land $53,000 Building $229,523	$282,523 Land $53,000 Building $229,523
2023	$544.00 (+0.74%)	$42,000 (-4.55%) Land $42,000	$42,000 (-4.55%) Land $42,000
2022	$540.00	$44,000 Land $44,000	$44,000 Land $44,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 86 Pine Circle Dr in Zone X, an area of minimal flood risk.

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 75 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	75 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.

Wildfire

Wildfire risk around 86 Pine Circle Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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