Florida · Jacksonville · 32164
Sell a house in 32164, inland Palm Coast
32164 is the inland part of Palm Coast. It is the one ZIP in our Flagler coverage that sits inside a city — apart from about a tenth of its ground, which is unincorporated Flagler County.
Prefer to talk? Call (269) 389-9961 — no form needed.
The housing here
What 32164 covers.
32164 covers roughly thirty square miles inland. Around seven-eighths of that ground is inside the Palm Coast city limits; the remainder is unincorporated Flagler County, with a small piece in Bunnell. It is inland rather than coastal, and nothing on this page should be read as describing beachfront property.
Palm Coast was planned rather than grown, and it was built out over several decades. The result is a large area with real variety in it: different periods of construction, different street layouts, some deed-restricted communities and many that are not. A description of one neighbourhood would not describe the ZIP, so this page does not attempt one.
City property goes to Palm Coast for permits and code; the unincorporated part goes to Flagler County. Worth confirming which yours is.
Drainage is a property-level question here, not an area-level one. Whether a particular lot has ever taken water is a fact about that lot. If yours has, say so and it becomes part of the conversation. If it has not, nothing here assumes otherwise.
A description of the area 32164 covers, not a statement about any particular property. ZIP codes are postal areas and do not follow neighbourhood or municipal boundaries.
What comes up here
The situations behind a sale here.
- A house standing emptyA second home, an inherited house, or one that has not sold. Cover can change once a property has been unoccupied beyond a period the policy defines — see the vacant property guide.
- An owner who lives somewhere elseOrdinary here, and workable. Establish signing authority first, and read the wire-fraud precaution in the out-of-state guide before any closing.
- An inherited propertyWhat can be signed depends on where the estate has reached. The probate guide covers it.
- A rental you are ready to stop runningA sale does not by itself end a valid tenancy, and an association may add leasing rules. See the rental guide.
- Roof age and the letter that followedWhat a roof near the end of its life means for insurability is for a licensed agent assessing the actual property. There is no fixed age rule — the insurance guide explains why we will not publish one.
- Storm or water damageOpen claim or closed, repaired or not. See the storm and water guide.
- Maintenance nobody got toAir conditioning, plumbing, flooring, exterior. Selling as-is is exactly that.
- An association, where there is oneSome properties here are association-governed and many are not. Where there is a declaration it answers nearly every question about approval and assessments — see the association guide.
- An open permit or a code caseCity property goes to Palm Coast; unincorporated property goes to the county. The code and permits guide separates the four things people call a lien.
Before you call
What the first conversation is like.
Where it is, whether anyone is in it, what condition it is in, and whether an association is involved. If an insurance letter prompted the call, have it to hand.
The Flagler County Property Appraiser records year built and building details, and that is one of the details an insurer works from.
The Flagler County page lists the rest of the county offices — records, probate, permits, code and flood.
Questions we actually get
32164 questions
Is my property inside Palm Coast?
Around nine-tenths of the ZIP’s ground is, and about a tenth is unincorporated Flagler County. It decides whether the city or the county handles permits and code, so it is worth confirming rather than assuming.
Does every property here have an association?
No. Some do and some do not, and those that do are governed by their own recorded documents rather than by anything general. The declaration is the answer.
Is 32164 on the water?
It is the inland part of Palm Coast. Some properties elsewhere in the city have canal or saltwater frontage; that is not what this ZIP is.
The roof is old and the insurer has written to me.
A common reason to look at a direct sale, because a roof is expensive to put right before a listing and it affects what a financed buyer can do. We will not tell you what your roof means for insurability — ask a licensed agent.
Does the house need to be empty, or clean, first?
No to both. Say what is in it and who is in it, and both become part of the conversation rather than a problem later.
General information about selling, not advice about your property. No structured FAQ markup is published pending review.
Other Flagler County areas
We also have pages for Palm Coast as a whole, the Bunnell area, ZIP 32110 and Flagler County.
Tell us about the 32164 property
The address and a rough description is enough to start. Or call (269) 389-9961 and skip the form entirely.
Tell us about your property Call (269) 389-9961
Sending the form starts a conversation. It is not an offer, and it does not commit you to anything.