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Lady Bird Deed in Palm Coast, Florida

In Palm Coast, the difference between the right deed and the wrong one can be years in probate and thousands in needless tax. A lady bird deed avoids both.

  • No probate on the home, recorded right here in Flagler County
  • Full control for life, so you can sell, refinance, or change it anytime
  • Keeps the step-up in basis, and avoids the Medicaid penalty that gifting the home would trigger
Book a No-Cost Phone Consult Attorney-drafted, $399 flat + recording

Quick Overview

A lady bird deed keeps your Palm Coast home out of probate and passes it to the people you name when you die, while you keep full control to sell, refinance, or change it for life. Attorney-drafted from $399 plus recording, signed wherever you are and e-recorded with the Flagler County Clerk of the Circuit Court and Comptroller. Whether it fits your home comes down to the recording, mistakes, and cost details below.

Topics to Know HideShow

Below, we walk through the 4 issues that decide whether this is the right move for you. Jump to any one.

  1. Why Palm Coast Homeowners Use a Lady Bird Deed The home passes to your family the moment you die, with no probate, while you keep full control to sell or change it for life.
  2. Where Your Deed Records in Flagler County Your deed protects the family only once it is recorded with the Flagler County Clerk of the Circuit Court and Comptroller. We e-record it for you, so you never drive to a courthouse, and the cost is set by Florida law.
  3. The Mistakes We Fix for Flagler County Families A plain gift to the kids loses the step-up and can trigger a five-year Medicaid penalty. A do-it-yourself form often misses the homestead and spousal rules that quietly void it.
  4. What It Costs A flat $399 for an individual or $449 for a joint deed, the same price the form mills charge, with an attorney behind it. Only the government recording cost is added, at cost.

That’s the quick version. The details below are what decide your situation, and where the costly mistakes hide.

Why Palm Coast Homeowners Use a Lady Bird Deed

When people in Flagler County ask us how to keep the family home simple, the answer is usually the same deed. A lady bird deed (its formal name is an enhanced life estate deed) answers it quietly. The home passes to the people you name the moment you die, with no probate, and you keep complete control while you are alive. You can sell it, borrow against it, or change your mind, all without anyone's permission.

Palm Coast and Flagler County are one of Florida’s fastest-growing retiree and relocation markets on the northeast coast. A fast-growing coastal retiree market where homestead, domicile, deeds, and probate avoidance all apply. See exactly how a lady bird deed works → You do not need a lawyer with an office in Palm Coast, because the deed records in Flagler County no matter where it is drafted. Here is how working with a Florida lady bird deed attorney runs, wherever you are.

Where Your Deed Records in Flagler County

A deed only protects your family once it is properly recorded, and in Flagler County that happens with the Flagler County Clerk of the Circuit Court and Comptroller. The Flagler County recording office sits at 1769 East Moody Boulevard in Bunnell, but we e-record your deed electronically, so you never make the trip. The cost to record is modest and set by Florida law, the same in every county, usually around $18 to $30. The Department of Revenue has ruled that an enhanced life estate deed is not subject to documentary stamp tax, and in practice the deed is recorded with a nominal recital and a seventy cent stamp. We pull your exact legal description from the last recorded deed, prepare the document, and e-record it for you, so nothing depends on you driving to a courthouse.

Your Deed in Palm Coast, Step by Step

Flagler County has 43,657 homesteads, and the Save Our Homes cap holds the average one $82,007 below its market value in 2026. 14,957 Flagler County parcels belong to an owner with a mailing address in another state, and 388 more to an owner abroad. An owner who lives elsewhere is the one a lady bird deed helps most, because a Florida house otherwise needs a second probate here. The Flagler County court opened 500 new probate cases in the 2024 to 2025 court year. A house that passes by lady bird deed stays out of that count.

Street map of Palm Coast around Palm Coast City Hall, with numbered markers for the places named below
  1. 1Palm Coast City Hall, 160 Lake Avenue, Palm Coast, FL 32164. Directions
  2. 2Flagler Clerk Recording Division, Kim C. Hammond Justice Center, 1769 E. Moody Blvd, Bldg 1, Bunnell, FL 32110 (a drive, not on the map). Directions
  3. 3Flagler County Property Appraiser, 1769 E Moody Blvd Bldg 2 Suite 201, Bunnell, FL 32110 (a drive, not on the map). Directions
  4. 4Flagler County Veterans Services, 1769 E. Moody Blvd., Building 2, Suite 108, Bunnell, FL 32110 (a drive, not on the map). Directions
  5. 5Central Park in Town Center, 975 Central Avenue, Palm Coast, FL 32164. Directions
  6. 6The Stage at Town Center, 1500 Central Avenue, Palm Coast, FL 32164. Directions
  7. 7Palm Coast Library, 2500 Palm Coast Pkwy. N.W., Palm Coast, FL 32137 (a drive, not on the map). Directions
  8. 8Wells Fargo, Palm Coast Town Center branch, 836 Belle Terre Pkwy, Palm Coast, FL 32164. Directions
  9. 9PNC Bank, Belle Terre at Town Center branch, 746 Belle Terre Pkwy, Palm Coast, FL 32164. Directions
  10. 10Palm Coast Post Office, 2 Pine Cone Dr, Palm Coast, FL 32137 (a drive, not on the map). Directions
  11. 11James F. Holland Memorial Park and Palm Coast Historical Society, 18 Florida Park Drive, Palm Coast, FL (a drive, not on the map). Directions
  12. 12Driver license and motor vehicle service center, Palm Coast, 213 St Joe Plaza Drive, Palm Coast, FL 32164 (a drive, not on the map). Directions
  13. 13Florida Department of Health in Flagler County, Vital Statistics, 200 Dr. Carter Blvd., Bunnell, FL 32110. Directions
Who records your deed in Flagler County, and why it happens in Bunnell

In Flagler County, deeds are recorded by the Recording Division of the Clerk of the Circuit Court and Comptroller, Tom Bexley. Palm Coast is the county’s largest city, but the Clerk has no office in Palm Coast. The Recording Division is on the first floor of the Kim C. Hammond Justice Center, 1769 East Moody Boulevard, Building 1, in Bunnell, open weekdays from 8:30 a.m. to 4:30 p.m. The Recording Division answers at 386-313-4360, and the Clerk takes email through the contact form on its site. If you do need to go in person, the Clerk now takes bookings for recording services.

You will not need to drive to Bunnell. We record your deed electronically through Simplifile, which is the first vendor on the Clerk’s own eRecording page. The Clerk says an e-recorded document is recorded and returned to the submitter within hours instead of days. Simplifile’s free consumer portal will not take a deed at all, which is one more reason a deed goes through an attorney or title company account.

After it records: find it, print it, and watch it

We send you the recorded deed as soon as the Clerk returns it. The deed also appears in the Clerk’s official records search, where you can look it up by your name, and public computers for the same search sit in the Official Records Division on the first floor of the Justice Center.

For a paper copy close to home, the Palm Coast Library at 2500 Palm Coast Parkway Northwest prints from its computers or from your own phone through its mobile print service, at 15 cents a page in black and white and 40 cents in color, with a $1 fee when you pay by card. The library opens Tuesday and Wednesday from 10 a.m. to 7 p.m. and Thursday through Saturday from 9 a.m. to 5 p.m., at 386-446-6763, and it is a short drive from City Hall. If a bank or title company asks for a certified copy, the Clerk charges $1 a page for the copy and $2 to certify it.

Then take two minutes to sign up for the Clerk’s free Recording Activity Notifications. All the Clerk needs is your first and last name and an email address. From that day on, each alert gives the document number and type, the recorded date and the name, so you can look the document up yourself. Confirm the link the Clerk emails you when you sign up, because the alerts do not start until you do.

Signing near Palm Coast City Hall, or from anywhere

A Florida deed needs two witnesses and a notary. We set up the signing for you by video, so you can sign from home in Palm Coast or from wherever you are. The Clerk’s Recording Division notarizes only notices of commencement, so a deed has to be notarized before it reaches the Clerk.

The Clerk publishes what a recorded deed must carry. Each grantor’s signature is notarized with the name and address printed below it, the notary’s name is printed, two witnesses sign with their names printed below their signatures, the full legal description appears on the deed, and the grantee’s mailing address and the preparer’s name and address go on its face. The Clerk also asks that nothing be highlighted, because color scans as black. When we draft your deed, those are handled.

If you have business at Palm Coast City Hall, 160 Lake Avenue, it is open weekdays from 8 a.m. to 5 p.m., at 386-986-2360. Central Park in Town Center, at 975 Central Avenue, is about 9 minutes on foot, open daily from 7 a.m. to 7 p.m., with parking, restrooms and a half-mile bricked walking path around the fountain at its center. The Stage at Town Center, at 1500 Central Avenue, is about 17 minutes on foot and hosts the city’s Beats and Eats evenings of food trucks and live music monthly through October 2026.

The banks and shops of Town Center sit along Belle Terre Parkway, a short drive from City Hall. Wells Fargo has a branch at 836 Belle Terre Parkway and PNC one at 746 Belle Terre Parkway, if you bank at either and need a cashier’s check. The Palm Coast post office is a short drive away at 2 Pine Cone Drive, with its retail window open weekdays from 8:30 a.m. to 5:30 p.m. and Saturday from 8:30 a.m. to 1 p.m., at 386-447-9880, which helps when an original has to go out by certified mail.

A young city with its own historians

Palm Coast is one of Florida’s newest cities, incorporated in 1999, and it sits on 70 miles of saltwater and freshwater canals and the Intracoastal Waterway. The first City Council appointed its first co-historians the next year, when the Palm Coast Historical Society was formed, and the Society’s museum is now at James F. Holland Memorial Park, 18 Florida Park Drive, beside a playground built to look like the coquina ruins of the Bulow Plantation Sugar Mill.

Your homestead exemption in Flagler County

Homestead is handled by James E. Gardner, Jr., the Flagler County Property Appraiser. The office is on the same Bunnell campus as the Clerk, at 1769 East Moody Boulevard, Building 2, Suite 201, open weekdays from 8 a.m. to 5 p.m., at 386-313-4150 and [email protected]. The Property Appraiser lists no office in Palm Coast.

You must own the home and make it your permanent residence on January 1, and the deadline is March 1. Flagler asks every first-time applicant to come to the office in person, with a Florida driver license, vehicle registration and voter registration showing the homestead address, Social Security numbers for both spouses, and a copy of the recorded deed or tax bill. If the home is in a trust, bring a copy of the entire trust.

The Property Appraiser warns that a homestead exemption does not follow you to a new home in Flagler County. When your lady bird deed records, call 386-313-4150 and ask whether the office needs anything new from you. We can make that call with you.

If you are a veteran with a disability rating

A disabled veteran may qualify for more than the basic homestead exemption, and the proof is a letter from the U.S. Department of Veterans Affairs. The Flagler Property Appraiser lists a $5,000 exemption for a Florida resident with a service-connected disability of at least 10 percent, and a total exemption for an honorably discharged veteran with a service-connected total and permanent disability, which also reaches surviving spouses of qualifying veterans. A veteran 65 or older with a combat-related disability may receive a discount equal to the disability percentage on Form DR-501DV.

Flagler County Veterans Services helps with the paperwork at no charge, in the Government Services Building at 1769 East Moody Boulevard, Building 2, Suite 108, in Bunnell, next door to the Property Appraiser. The office is open weekdays from 8 a.m. to 5 p.m., closed from noon to 1 p.m., and visits are by appointment, so call ahead through the county’s main line at 386-313-4000. The same office processes Flagler’s Active Military Combat Duty Grant, which reimburses up to $1,000 of county property tax on the homestead of a Flagler service member who served 45 days or more in a designated combat zone in a calendar year.

If your name has changed since you bought the home

Marriage or divorce often leaves a home titled in a name you no longer use. We write the new deed with both names, the name on your old deed and your name today, so the record connects them and a future title search does not stall on the difference.

Your driver license should match as well, because the Property Appraiser asks for a Florida driver license with the homestead address. The Florida Department of Highway Safety and Motor Vehicles requires every name change on a license to be made in person at a local office, and only after the Social Security Administration has updated your name, allowing 24 to 48 hours after that. Palm Coast has its own service center at 213 St Joe Plaza Drive, run by the Flagler County Tax Collector, open weekdays from 8:30 a.m. to 4:30 p.m., at 386-313-4160.

When the time comes: what your family does, without probate

After you die, the house is already your family’s. To show that in the record, they record a certified copy of your death certificate and an affidavit, and then a title company can insure a sale. Certified death certificates come from the Department of Health in Flagler County, Vital Statistics, at 200 Dr. Carter Boulevard in Bunnell, at 386-586-2164, extension 7133. Certificates are issued on a walk-in basis for Florida deaths from 2009 on, at $10 each, and the office takes cash, checks, Visa and MasterCard. A copy showing the cause of death goes only to close family or someone who shows an interest in the estate, such as a will. We prepare and record the rest.

Local details checked September 29, 2026 on the offices' and businesses' own sites and Google Maps. Places are listed for convenience, not as a recommendation; call ahead, since hours change. Map data © OpenStreetMap contributors. County figures from the Florida Department of Revenue 2026 property roll and Data Book and the Florida courts' FY 2024 to 2025 Statistical Reference Guide. Sources: Flagler Clerk contact directory · Flagler Clerk official records and recording FAQ · Flagler Clerk eRecording · Flagler Clerk Recording Activity Notifications · Flagler Clerk filing and copy fees · Flagler Clerk bookings · Flagler Clerk, meet the Clerk · Flagler County Property Appraiser · Flagler County Property Appraiser contact · Flagler County Property Appraiser homestead · Flagler County Property Appraiser veterans tax benefits · Flagler County Veterans Services · Flagler County Public Library printing · Flagler County Public Library locations and hours · City of Palm Coast · City of Palm Coast, About Palm Coast · City of Palm Coast, Historical Society · City of Palm Coast, Central Park · City of Palm Coast, The Stage at Town Center · City of Palm Coast, Holland Park · FDIC BankFind branch locations, Palm Coast · USPS, Palm Coast post office · FLHSMV name and address changes · FLHSMV Flagler office locations · OpenStreetMap walking routes (FOSSGIS foot router) · Florida Department of Health in Flagler County, death certificates

The Mistakes We Fix for Flagler County Families

The cheap way usually costs the most. A plain gift of the home to the kids loses the step-up in basis (a tax break that can save the family tens of thousands when they sell) and can trigger Florida's five-year Medicaid penalty. A do-it-yourself form often misses the homestead and spousal rules, which can quietly void the deed for a married owner. We handle those checks as part of the flat fee, so the deed actually holds up. What a valid form must contain → · when a deed is the wrong tool →

Helping Palm Coast families keep the home simple.

A No-Cost Phone Consult confirms a lady bird deed fits, by phone or video. If a trust is the better tool, we will tell you that too.

Book a no-cost consult

What It Costs

Our flat fee is $399 for an individual owner and $449 for a joint deed, the same price the form mills charge, with a real attorney behind it. On top of that you pay only the government recording cost and the documentary stamp, passed through with no markup. The fee is posted up front and honored for 90 days. See the full cost breakdown →

Lady bird deed
$399 · $449 joint
Passes the home to your family at death with no probate, and you keep full control and your homestead protection while you live. One owner $399, joint owners $449. Drafted with the homestead language Florida requires. A quitclaim, warranty or life-estate deed is $399.
Deed revocation or amendment
$250
Revoking or correcting a deed already on record.
Recording costs vary by county and start at $19.20 for a deed. Documentary stamp tax, court filing fees, publication and certified copies are additional and passed through at cost.

Communities We Serve Near Palm Coast

We work with homeowners across Flagler County, including Grand Haven, Hammock Dunes, the Hammock, Flagler Beach, Bunnell, Beverly Beach, and the surrounding area. StepUpLaw is a Miami firm serving Palm Coast families wherever you are; this is not a Palm Coast office, and we frame our work that way out of respect for Florida's advertising rules.

Frequently Asked Questions

Do I need a Palm Coast office to set up a lady bird deed?

No. StepUpLaw is a Miami firm that serves Palm Coast and Flagler County homeowners by phone and video, with the deed signed by remote online notary and e-recorded in your county. Many of our clients are adult children handling a Florida parent's home from another state.

Where does a Palm Coast lady bird deed get recorded?

With the Flagler County Clerk of the Circuit Court and Comptroller, in the county where the property sits. Recording fees are set by Florida law and are the same in every county, usually about $18 to $30 for a deed like this. The Department of Revenue has ruled that an enhanced life estate deed is not subject to documentary stamp tax, and in practice the deed is recorded with a nominal recital and a seventy cent stamp.

Will a lady bird deed help my Palm Coast home avoid Medicaid estate recovery?

Yes. Florida only recovers Medicaid costs from the probate estate. Because a lady bird deed passes the home outside probate, it stays out of recovery's reach, while your homestead also stays exempt during your lifetime. It is one of the main reasons Flagler County families use it.

Can the notary be one of the two witnesses on my Palm Coast deed?

Yes, when the notary watches you sign and also signs on a witness line with a mailing address. A notary who only completes the acknowledgment is not a second witness, and a deed with one witness and a notary is a witness short. Florida law cures a missing witness five years after the deed is recorded, absent fraud, so recording promptly with the Flagler County Clerk of the Circuit Court and Comptroller is also what starts that clock.

Can I still sell my Palm Coast home after signing?

Yes, and that is the whole point of the "enhanced" part. You keep the right to sell, refinance, rent, or change your mind, all without asking the beneficiaries. If the home is your homestead and you are married, your spouse still joins the deed for a sale or mortgage.


Updated October 18, 2026. Reviewed by Kevin D. Klagge, Esq., Fla. Bar No. 99502. Attorney Kevin Klagge represents families, businesses, and international clients in estate and tax planning, business structuring, and international law, with a focus on Florida legal tools. He litigates estate and business issues in court. General information about Florida law, not legal advice, and no attorney-client relationship is created. We serve Palm Coast and Flagler County residents wherever they are. Do not send confidential information until we have agreed to represent you.

Keep your Palm Coast home out of probate

Book a No-Cost Phone Consult with Attorney Kevin D. Klagge, Esq. We confirm the deed fits, draft it, and record it in Flagler County for a flat $399 (individual) / $449 (joint) plus recording.