Palm Coast city property tax records are public files kept by Flagler County, the county that contains Palm Coast. These records show who owns each parcel, the assessed value, any exemptions on file, the amount billed each year, and the payment history.
Anyone can look up these records online without paying a fee or creating an account. The records cover every home, vacant lot, and commercial property inside the city limits of Palm Coast, Florida.
The city of Palm Coast does not run its own tax office. Flagler County handles all property tax work for parcels within Palm Coast. The Flagler County Property Appraiser sets the value of each property. The Flagler County Tax Collector bills each owner and collects the payment. Both offices sit in Bunnell, the county seat, a short drive from most Palm Coast neighborhoods.
Flagler County Tax Setup for Palm Coast
Palm Coast is the largest city in Flagler County by population. It accounts for most of the parcels the county tracks. The tax setup flows through two county offices that cover all city property. Palm Coast homeowners and land owners deal with the same two offices that serve every other part of the county.
How the County System Works
Property tax work in Florida follows a clear path. The property appraiser sets the value of each parcel as of January 1 each year. The tax collector sends out the bill based on the certified value plus the millage rates set by each taxing authority. Palm Coast property owners pay one combined bill each November that covers the city, county, school board, and any special districts that apply to the parcel.
The Florida Department of Revenue watches over the process. The DOR sets the rules for how the appraiser values property, how exemptions are applied, and how the tax roll is certified each fall. State law in Chapter 193, Chapter 194, Chapter 196, and Chapter 197 of the Florida Statutes controls the appeal process, exemption rules, and delinquent tax sales that touch Palm Coast parcels.
Role of the Property Appraiser
The Flagler County Property Appraiser decides the just value, assessed value, and taxable value of every parcel in Palm Coast. The office tracks ownership, building data, parcel boundaries, and any exemptions. The appraiser also handles agricultural classification, tangible personal property returns, and applications for tax exemptions.
The appraiser’s office maintains the searchable online database that the public uses to look up Palm Coast property tax records. This database is updated as sales close, building permits finalize, and exemption applications are approved. The same database feeds the certified tax roll that goes to the tax collector each October.
Role of the Tax Collector
The Flagler County Tax Collector mails the tax bill each November, processes payments, and tracks any unpaid amounts. The collector applies the discount schedule, runs the installment plan, and handles tax certificates when bills go unpaid. The collector does not set the value of a property and does not handle exemption applications.
The collector’s separate payment portal shows what is owed, what has been paid, and whether any tax certificates or liens sit on a Palm Coast parcel. Many people use the appraiser’s site to check value and use the collector’s site to check balance and payment history. Both sites are free, and both work without an account.
Flagler County Property Appraiser Office
The Flagler County Property Appraiser serves as the main entry point for Palm Coast property tax records. The office is in Bunnell, about 15 miles west of central Palm Coast. Anyone can call, email, or visit in person during business hours on weekdays.
Contact and Office Hours
The Property Appraiser mailing address is P.O. Box 876, Bunnell, FL 32110. The main phone number is (386) 313-4160. Office hours run from 8:30 a.m. to 4:30 p.m., Monday through Friday, except on federal and state holidays. The office closes for lunch between 12:00 p.m. and 1:00 p.m. on some days, so calling in the morning often works best.
| Detail | Data |
|---|---|
| Office Name | Flagler County Property Appraiser |
| Phone | (386) 313-4160 |
| Mailing Address | P.O. Box 876, Bunnell, FL 32110 |
| Website | flaglerpa.com |
| Hours | 8:30 a.m. to 4:30 p.m., Monday to Friday |
Online Search Tools
The official parcel search tool lives on the Flagler County Property Appraiser website. The search box accepts a Palm Coast street address, a parcel ID number, or an owner name. The result shows the parcel ID, legal description, owner of record, mailing address, land size, building size, year built, last sale date, last sale price, and current values.
The tool also shows a sketch of the building footprint, the number of bedrooms and bathrooms, and any extra features like pools, garages, or porches. Each parcel page links to a printable tax record and a sales history list. The site does not require a login and does not charge for any record.
What the Record Shows
A typical Palm Coast property record from the appraiser’s site includes the just value, assessed value, and taxable value for the current year and the prior year. It lists any exemptions on file such as homestead, senior, veteran, widow, or disability. It also shows the millage area code used to compute the tax bill.
Building data on the record includes living area, construction type, roof type, heating and cooling system, and quality grade. Land data includes acreage, land use code, and any agricultural or conservation classification. The parcel page also lists the recording information for the last deed transfer, the document number, and the book and page in the official records.
Special Cases for Palm Coast
Palm Coast has many platted vacant lots that were sold decades ago and have never been built on. These lots each carry their own parcel record and their own tax bill. Out-of-state owners who have not looked at their lot in years should run a parcel search to confirm current ownership data, current value, and any unpaid taxes on the lot.
Some larger parcels on the edge of Palm Coast may qualify for agricultural classification. This sets value based on the income the land produces rather than the market value. The application deadline is March 1 each year. The classification stays in place only as long as the use continues each year.
Flagler County Tax Collector Office
The Flagler County Tax Collector handles billing, payment, and collection for every parcel in Palm Coast. Bills for the current tax year go out in November. The collector runs the discount schedule, the installment plan, and the tax certificate sale for unpaid bills.
Contact and Office Hours
The Tax Collector’s main office sits at 1769 East Moody Boulevard, Bunnell, FL 32110. The general phone number is (386) 437-7314. Office hours run from 8:30 a.m. to 5:00 p.m., Monday through Friday. The Bunnell office also handles vehicle registration and driver license services, so the lobby can get busy near the end of the month.
| Detail | Data |
|---|---|
| Office Name | Flagler County Tax Collector |
| Phone | (386) 437-7314 |
| Address | 1769 East Moody Boulevard, Bunnell, FL 32110 |
| Website | flaglertax.com |
| Hours | 8:30 a.m. to 5:00 p.m., Monday to Friday |
Bill Mailing and Discount Dates
The tax bill for the current year goes out on or before November 1. Florida law offers a discount for early payment. The full discount schedule is set by state law and applies to every parcel in Palm Coast. The discount drops each month until March, when the bill becomes delinquent.
| Payment Month | Discount Rate |
|---|---|
| November | 4 percent |
| December | 3 percent |
| January | 2 percent |
| February | 1 percent |
| March | 0 percent (face value) |
| April 1 and after | Delinquent, with penalty and interest |
Payment Methods Accepted
The Tax Collector accepts payment by mail, in person, and online. Online payment is available through the collector’s portal and accepts major debit and credit cards plus electronic check. A small processing fee applies to card payments, but electronic check has no fee. In-person payment at the Bunnell office can be made by cash, check, money order, or card.
Mail payments should include the bill stub or the parcel ID so the payment is applied to the right account. Payments post on the day the collector receives them, not the day they are postmarked. The collector also offers a quarterly installment plan that spreads the bill into four smaller payments. Sign up by April 30 each year to use the plan for that year’s tax bill.
Delinquent Taxes and Certificates
Taxes become delinquent on April 1 each year under Chapter 197 of the Florida Statutes. The collector charges interest and a penalty. If the bill stays unpaid, the collector holds a tax certificate sale. Investors buy the certificates and earn interest on the unpaid amount. The owner has two years to pay off the certificate before a tax deed sale can put the property at risk of loss.
Palm Coast owners who fall behind should call the collector’s office right away. The installment plan can be used to catch up on a delinquent bill in many cases. A certificate holder can also be paid off directly to clear the lien. A search on the collector’s site shows whether a certificate sits on a parcel at any time.
How to Search Palm Coast Property Tax Records
A public search of Palm Coast property tax records takes only a few minutes. The two county databases cover every parcel in the city. Searches are free and do not require an account. The right tool depends on what type of data the user needs.
Search by Street Address
Address search works for most people. Type the full street address, including the city and ZIP, into the appraiser’s search box. The result returns the matching parcel with the parcel ID, owner name, and current values. Click on the parcel ID to open the full record with building data, sales history, and exemption details.
Address search handles most common cases. It works for single-family homes, condos, vacant lots, and commercial buildings. Some older parcels may not match by address if the address was changed in the postal system. In that case, a parcel number search or owner name search is the better option.
Search by Parcel Number
Every parcel in Palm Coast has a unique parcel ID. The format used by Flagler County combines a tract number, a block number, and a parcel number. Look at a tax bill, a deed, or a prior record to find the parcel ID for a property. Type the full ID into the appraiser’s search box with no dashes or spaces.
Parcel number search returns the exact record. This method works for vacant lots without a street address, parcels with an address change, and parcels owned by a business with a separate mailing address. The record page shows the same data as an address search.
Search by Owner Name
Owner name search helps when the address is not known. Type the last name first, or the full business name, into the appraiser’s search box. The system returns a list of all parcels with that owner. Each row links to the matching parcel record.
Owner name search helps in inheritance cases, divorce cases, and out-of-state owner checkups. The list may show multiple parcels, including ones outside Palm Coast. Click the right parcel row to open the full record for a Palm Coast address.
Reading the Record Page
The record page shows a table of values for the current year and past years. The three key numbers are just value, assessed value, and taxable value. Just value is the appraiser’s estimate of market value. Assessed value is the value after the Save Our Homes cap, if the cap applies. Taxable value is the value after all exemptions.
| Field | Meaning |
|---|---|
| Just Value | Market value as of January 1 |
| Assessed Value | Value after cap or limit applies |
| Exemptions | Amount removed for tax purposes |
| Taxable Value | Value used to compute the bill |
| Millage Code | Area code that picks the tax rates |
| Sales History | List of past sales with prices and dates |
Exemptions Available to Palm Coast Owners
Florida offers several property tax exemptions to qualifying owners. Each exemption removes a set dollar amount from the assessed value before the bill is computed. Exemptions are filed with the Property Appraiser, not the Tax Collector. Most applications have a March 1 deadline each year.
Homestead Exemption
The homestead exemption cuts up to $50,000 from the assessed value of a primary residence. The first $25,000 applies to all taxing authorities. The second $25,000 covers the value between $50,000 and $75,000 and applies to all authorities except the school board. To qualify, the owner must own the home and make it the primary residence as of January 1.
Homestead exemption also activates the Save Our Homes cap, which limits the growth of the assessed value each year. The cap can save owners a large amount of money in a fast-growing market like Palm Coast. New owners must file the homestead application with the appraiser by March 1 of the year they want the exemption to take effect.
Save Our Homes Cap
The Save Our Homes cap under Chapter 193 of the Florida Statutes limits the annual growth in assessed value to 3 percent or the change in the Consumer Price Index, whichever is lower. The cap applies to homestead properties in Palm Coast and stays in place as long as the owner keeps the homestead exemption active.
When a homestead property sells, the cap resets for the new owner. The new owner’s assessed value is set to the just value on January 1 after the sale. Long-time Palm Coast owners may have an assessed value well below the just value, which keeps their tax bill lower than the bill of a recent buyer of a similar home.
Senior Low-Income Exemption
Palm Coast residents aged 65 and older with a household income below the limit set by the state can apply for an extra exemption. The exemption removes an additional amount from the assessed value each year. The income limit is set by the Florida Department of Revenue and changes each year. Check the current limit on the appraiser’s site or call the office before filing.
The senior exemption is in addition to the homestead exemption. Applicants must show proof of age and proof of income. The income test looks at the prior year’s adjusted gross income from federal tax returns. The deadline for filing is March 1 of the year the exemption is requested.
Other Exemptions
Other exemptions available to Palm Coast owners include the total disability exemption, the veteran exemption, the combat-disabled veteran exemption, the widower exemption, and exemptions for first responders. Each exemption has its own rules, its own forms, and its own deadline. The full list and the current dollar amounts are posted on the appraiser’s website.
| Exemption | Who Qualifies |
|---|---|
| Homestead | Primary residence owner |
| Senior Low-Income | Age 65 or older with income below the limit |
| Total Disability | Owner or spouse with total disability |
| Veteran | Honorably discharged veteran with service record |
| Combat-Disabled Veteran | Veteran with combat-related disability rating |
| Widower | Unremarried spouse of a deceased owner |
Business owners with tangible personal property should file a TPP return with the appraiser by April 1. The first $25,000 of TPP value is exempt. Missing the deadline means losing the exemption for that year and a possible penalty on the full value.
Appealing Your Property Value
An owner who believes the assessed value is too high can file a petition with the Flagler County Value Adjustment Board. The VAB is an independent body that hears petitions and can adjust the value set by the appraiser. The appeal process is set by Chapter 194 of the Florida Statutes.
Who Can File an Appeal
The property owner, the owner’s agent, or a tax representative can file a petition. The petition must be filed within 25 days of the mailing date on the TRIM notice. The TRIM notice goes out in late summer each year. The exact filing deadline is printed on the notice itself.
Anyone with a legal or financial interest in a Palm Coast parcel can also file, including a contract buyer or a holder of a deed of trust. The petition form is available on the Flagler County Clerk of Court’s website and at the clerk’s office in Bunnell.
Filing Window and Form
The petition form lists the parcel ID, the owner’s name, the mailing address, and the value the owner believes is correct. A filing fee is charged per parcel. The fee is set by Florida law and changes each year. The clerk’s office will not accept a petition after the 25-day window closes.
Once the petition is filed, the VAB schedules a hearing. Hearings are held in person at the Flagler County courthouse in Bunnell. A special magistrate runs the hearing. The magistrate writes a recommendation that goes to the VAB for a final decision.
What to Bring to the Hearing
At the hearing, the owner carries the burden to show the appraiser’s value is wrong. Bring recent sales of similar Palm Coast homes, photos of any defects or damage, an independent appraisal, and a list of comparable properties. Comparable sales should be from within the past 12 to 18 months and from the same area of Palm Coast.
The appraiser’s office will send a representative to the hearing. The representative will defend the original value with the data used to set the value. The magistrate will ask questions on both sides. The magistrate’s recommendation is sent to the VAB for a vote at the next meeting.
After the Value Adjustment Board
If the VAB lowers the value, the new value is sent to the tax collector for a refund or a credit on the next bill. If the VAB keeps the value the same, the owner can still file a lawsuit in circuit court. The lawsuit must be filed within 60 days of the VAB decision.
The owner should pay at least the undisputed portion of the tax bill during the appeal to avoid penalties and interest on the unpaid amount. The appraiser’s office can give a written estimate of the undisputed amount based on the comparable sales used in the appeal.
Public Records Access Rules
All Flagler County property tax records are public under Chapter 119 of the Florida Statutes. Anyone can access them. The online portals handle most requests at no cost. For records not online, the offices will respond to written requests within a reasonable time.
Florida Public Records Law
Chapter 119 of the Florida Statutes gives the public the right to see and copy records made or received by a public office in the course of business. Property tax records fall under this rule. Personal financial data and Social Security numbers on exemption applications are the only items kept private.
Public records requests can be made in person, by mail, or by email. The office may charge a fee for copies or for large data requests. The fee is set by state law and cannot exceed the actual cost of producing the copies. The office must respond in a reasonable time, which is generally a few business days for simple requests.
Online Access
Most Palm Coast property tax records are available online through the appraiser’s site and the collector’s site. The appraiser’s site covers ownership, values, exemptions, and sales history. The collector’s site covers current bill amount, payment history, and any tax certificates or liens. Both sites are free and do not require an account.
For records not posted online, contact the relevant office. A written request should include the parcel ID or address, the type of record needed, and the preferred delivery method. The office will provide a cost estimate before producing the records.
Certified Copies and Bulk Data
Certified copies of property tax records are available from the Flagler County Property Appraiser. A certified copy has a raised seal and is accepted by courts, title companies, and lenders. The fee is set by Florida law. Bulk data files are available for a fee based on the size of the file and the time needed to produce it.
Researchers, title companies, and investors often order bulk data for analysis. The appraiser’s office can provide a flat file with all Palm Coast parcels, including ownership, value, and sales data. Contact the office in advance to confirm the cost, the file format, and the time needed.
Office Contact Details
Both county offices serve Palm Coast property owners. The Property Appraiser handles values, exemptions, and ownership data. The Tax Collector handles bills, payments, and tax certificates. The mailing addresses, phone numbers, websites, and office hours for both offices are listed below.
| Office | Phone | Address | Website |
|---|---|---|---|
| Flagler County Property Appraiser | (386) 313-4160 | P.O. Box 876, Bunnell, FL 32110 | flaglerpa.com |
| Flagler County Tax Collector | (386) 437-7314 | 1769 East Moody Boulevard, Bunnell, FL 32110 | flaglertax.com |
| Flagler County Clerk of Court | (386) 313-4400 | 1769 East Moody Boulevard, Bunnell, FL 32110 | flaglerclerk.com |
Frequently Asked Questions
Many people have the same questions about Palm Coast property tax records. The answers below cover the most common topics, including how to find records, how to read values, how to file exemptions, and how to handle delinquent taxes. Each answer is based on current Florida law and current Flagler County practice.
How do I find out who pays property tax on a Palm Coast home?
Run a parcel search on the Flagler County Property Appraiser website at flaglerpa.com. Type the street address into the search box. The record page shows the owner of record, the mailing address where the tax bill is sent, and the parcel ID. The owner of record on January 1 each year is the person who pays the tax bill for that year. If a sale closed during the year, the new owner receives the next November bill. The Tax Collector’s site also shows the current bill status and the most recent payment.
What is the difference between just value, assessed value, and taxable value?
Just value is the appraiser’s estimate of the market value of the property on January 1 each year. Assessed value is the value used to compute the tax bill after the Save Our Homes cap or other limits apply. Taxable value is the value after all exemptions have been removed. The tax bill is computed by multiplying the taxable value by the millage rate. Palm Coast owners with a homestead exemption and a long-held home will see a large gap between the just value and the assessed value.
How do I know if my Palm Coast parcel has a tax certificate on it?
Search the parcel on the Flagler County Tax Collector website at flaglertax.com. The account page shows the current bill amount, the payment history, and any tax certificates or liens on file. A tax certificate appears on the page when the previous year’s tax bill went unpaid past the March 31 deadline. The certificate holder can be paid off directly to clear the lien. The payoff amount includes the original tax, the certificate interest, and a small fee.
Can I look up Palm Coast property tax records without an account?
Yes. Both the Property Appraiser site and the Tax Collector site allow free searches without an account or login. The Property Appraiser site lets you search by address, parcel ID, or owner name. The Tax Collector site lets you search by parcel ID, owner name, or account number. The records are public under Chapter 119 of the Florida Statutes. No reason or ID is needed to view them.
What millage rate does the city of Palm Coast charge?
The city of Palm Coast sets its own millage rate each year as part of the budget process. The rate is set in the fall and appears on the November tax bill as a separate line item from the county and school board rates. The combined bill for a typical Palm Coast homeowner in 2025 included a city rate of about 4.1 mills, a county rate of about 6.2 mills, a school board rate of about 5.9 mills, and any special district rates. The exact combined rate depends on the millage area code for the parcel.
What happens if I miss the March 31 property tax deadline?
The bill becomes delinquent on April 1. The Tax Collector adds a 3 percent penalty in April, plus interest that starts at 12 percent per year. If the bill stays unpaid into the next year, the collector holds a tax certificate sale. Investors buy the certificate and earn interest on the unpaid amount. The owner has two years from the sale date to pay off the certificate, plus interest and fees. After two years, the certificate holder can start a tax deed process that may result in the loss of the property. Owners who fall behind should call the Tax Collector’s office as soon as possible to set up a payment plan.
Can I get a paper copy of my Palm Coast property tax record?
Yes. The Property Appraiser office in Bunnell can print a property record card during business hours. A standard record card costs a small fee. A certified record card with a raised seal costs more and is accepted by courts, title companies, and lenders. The same records can be printed from the online parcel search page. A written request by mail will receive a response within a few business days. The Tax Collector office provides printed copies of payment history and current bill status in the same way.