94 Palm Dr, Flagler Beach, FL 32136 Property Records

Flagler County property record for 94 Palm Dr, Flagler Beach, FL 32136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,505 sqft · built 1988
Lot Size	0.21 acres (9,165 sqft)
Owner	Individual Name on File
Last Sale	$216,000 (Feb 2017)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`12-12-31-4950-00020-0050`

Property Details

APN / Parcel Number

Primary APN	`12-12-31-4950-00020-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,505 sqft Living Area
Gross Area	1,997 sqft
1st Floor Area	1,505 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,165 sqft (0.21 acres)
Driveway	Concrete Driveway
Driveway Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	94 PALM DR
City	FLAGLER BEACH
State	FL
Zip	32136-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM HARBOR SUB BLK 2 LOT 5 OR 111 PG 667 OR 134 PG 245 OR BOOK 191 PAGE 186 OR 349 PG 436 OR 433 PG 1749 OR 769 PG 758 OR 809/632 OR 837/149 OR 1711/131 OR 1838/162 OR 2046/1928 OR 2187/764
Legal Range	31E
Legal Township	12S
Legal Section	12
Legal Subdivision	PALM HARBOR SUB
Legal Block	2
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1001
Census Tract	60304

Owner

94 Palm Dr is owned and occupied by an individual who bought it in February 2017.

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

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

Owner of Record	Individual Name on File
Mailing Address	94 PALM DR, FLAGLER BEACH, FL 32136-3412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Feb 15, 2017	Warranty Deed, Transfer · FHA Mortgage HANCOCK MORTGAGE PARTNERS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2017 · Amount on File
Deed Sale	Feb 15, 2017 · Amount on File
Prior Sale	Feb 4, 2015 · Amount on File
Deed Document Number	20175753
Deed Book / Page	2187 / 764
Prior Transfer Date	Mar 30, 2009
Prior Transfer Doc	0017110131
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	94 PALM DR, FLAGLER BEACH, FL 32136-3412
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025590858
Date	May 6, 2021
Book Page	2559/858
Instrument	2021024972

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 15, 2017
Property Address	94 PALM DR, FLAGLER BEACH, FL 32136-3412
Document Number	0021870764
Book / Page	2187 / 0764
Map Reference	MB5 PG21
Instrument Date	Feb 6, 2017
Instrument	2017005753
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,512.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	94 PALM DR, 94, FLAGLER BEACH, FL 32136-3412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 PALM DR, FLAGLER BEACH, FL 32136-3412

Mortgage

Document Number	2017005754
Date	Feb 15, 2017
Instrument	2017005754

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 94 Palm Dr was $3,209 with a homeowner's exemption, up 3.1% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,209.00 (+3.12%) Homeowner's exemption	$207,978	$271,299 Land $89,000 Building $182,299
2024	$3,112.00 (+3.11%)
2023	$3,018.00 (+3%) Homeowner's exemption	$196,229 (+3%)	$307,502 (+8.64%) Land $85,000 Building $222,502
2022	$2,930.00 Homeowner's exemption	$190,514	$283,035 Land $82,500 Building $200,535

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

Flood

FEMA maps place 94 Palm Dr in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 127 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	127 in force
Nearby Flood Claims	69 (1995–2026)
Claims Outside the SFHA	8 of 69
Most Recent Claim	May 2026 · other causes
Claims by Event	Hurricane Nicole, Nov 2022 · 13 claims Hurricane Irma, Oct 2017 · 39 claims Hurricane Frances, Sep 2004 · 5 claims

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 94 Palm Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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	FLAGLER BEACH WTP serves 4,830 people · EPA ID FL2180349
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 112 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 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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