1 Flat Rock Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 1 Flat Rock Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 2003
Lot Size	0.285 acres (12,415 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Aug 2005)
Tax Bill	$2,459 (2025)
Deeds & Mortgages	Dec 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7010-00180-0010`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7010-00180-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,708 sqft Living Area
Gross Area	2,489 sqft
1st Floor Area	1,708 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,415 sqft (0.285 acres)
Driveway	Brick Driveway
Driveway Area	962 sqft
Pool Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1 FLAT ROCK LN
City	PALM COAST
State	FL
Zip	32137-9222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 10 BLOCK 00018 LOT 0001 SUBDIVISION OR 138 PG 327 OR 743 PG 1909 OR 1292/1233 OR 2406/1798-RDMA CHRISTOPHER GHIGLIOTTY & MICHAEL GHIGLIOTTY JTWROS
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Phase	ER
Legal Block	18
Legal Lot Number	1
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1024
Census Tract	60104

Owner

1 Flat Rock Ln is owned and occupied by two individuals who acquired it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1 FLAT ROCK LN, PALM COAST, FL 32137-9222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2005 · Amount on File
Deed Sale	Aug 1, 2005 · Amount on File
Prior Sale	May 14, 2001 · Amount on File
Deed Document Number	200545665
Deed Book / Page	1292 / 1233
Last Transfer Date	Dec 10, 2019
Transfer Doc	0024061798
Record Updated	Jun 8, 2026

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 19, 2019
Property Address	1 FLAT ROCK LN, PALM COAST, FL 32137-9222
Document Number	0024061798
Book / Page	002406 / 001798
Instrument Date	Dec 19, 2019
Instrument	47311
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	12168 GRECO DR ORLANDO FL 328245884, ORLANDO, FL 32824-5884

Tax Assessment & Valuation

The 2025 property tax bill for 1 Flat Rock Ln was $2,459 with a homeowner's exemption, up 2.6% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$2,459.00 (+2.63%) Homeowner's exemption	$178,500	$322,835 Land $59,000 Building $263,835
2024	$2,396.00 (+2.88%)
2023	$2,329.00 (+1.35%) Homeowner's exemption	$168,417 (+3%)	$316,105 (+8.73%) Land $48,500 Building $267,605
2022	$2,298.00 Homeowner's exemption	$163,511	$290,730 Land $46,500 Building $244,230

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

Flood

FEMA maps place 1 Flat Rock Ln in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 126 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	12 (2001–2022)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	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 1 Flat Rock Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 302 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20