103 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 103 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,033 sqft · built 2005
Lot Size	0.512 acres (22,303 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Dec 2020)
Tax Bill	$17,593 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2835-00000-0150`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2835-00000-0150`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,033 sqft Living Area
Gross Area	5,435 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2007
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	22,303 sqft (0.512 acres)
Lot Width	75 ft Width
Driveway	Concrete Driveway
Driveway Area	500 sqft
Pool Area	954 sqft
Deck Area	657 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	103 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1460
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET PHASE V LOT 15 OR 652 PG 1318 OR 1041 PG 1998 OR 1471/1880 OR 1695/1151-CD OR 1695/1152 OR 2168/1270 OR 2385/321-DC OR 2389/51 OR 2434/1145-OD
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET PHASE V
Legal Phase	5
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

103 Front St is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 FRONT ST, PALM COAST, FL 32137-1460
Occupancy	Owner Occupied
Owner Type	Individual

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	Dec 3, 2020 · Amount on File
Deed Sale	Dec 3, 2020 · Amount on File
Prior Sale	Nov 10, 2016
Deed Document Number	202050291
Deed Book / Page	2501 / 1033
Prior Transfer Date	Nov 4, 2016
Prior Transfer Doc	0021681270
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 3, 2020
Property Address	103 FRONT ST, PALM COAST, FL 32137-1460
Document Number	0025011033
Book / Page	2501 / 1033
Map Reference	MB 31 PG 56
Instrument Date	Nov 30, 2020
Instrument	2020050291
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PIONEER TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 CORONA CT, 15, PALM COAST, FL 32137-9021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2923 202ND PL SE, SAMMAMISH, WA 98075-9631

Mortgage

Document Number	0025011035
Date	Dec 3, 2020
Instrument	2501/1035

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 103 Front St was $17,593 with a homeowner's exemption, down 12.7% 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	$17,593.00 (-12.71%) Homeowner's exemption	$1,011,201	$1,070,274 Land $292,500 Building $777,774
2024	$20,154.00 (+2.75%)
2023	$19,614.00 (+2%) Homeowner's exemption	$954,080 (+3%)	$1,085,514 (+17.19%) Land $292,500 Building $793,014
2022	$19,230.00 Homeowner's exemption	$926,291 Land $280,125 Building $646,166	$926,291 Land $280,125 Building $646,166

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

Flood

FEMA maps place 103 Front St in Zone X, an area of minimal 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 minimal risk
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 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 103 Front St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20