103 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 103 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,406 sqft · built 2022
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Mar 2022)
Tax Bill	$564 (2022)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00370-0170`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00370-0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,406 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	103 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 57 BLK 37 LOT 17 OR 206 PG 814
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	37
Legal Lot Number	17
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 21, 2021	Warranty Deed, Transfer AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	May 21, 2021 · Amount on Record
Deed Document Number	2022015460
Deed Book / Page	2671 / 112
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 24, 2022
Property Address	103 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number	0026710112
Book / Page	2671 / 112
Map Reference	MB 17 PG 20
Instrument Date	Mar 15, 2022
Instrument	2022015460
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	820 S EDENBRIDGE WAY, ST AUGUSTINE, FL 32092-5025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 UNIVERSAL TRL, PALM COAST, FL 32164-5718

Mortgage

Document Number	0002671114
Date	Mar 24, 2022
Instrument	2671/114

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 21, 2021
Property Address	103 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number	0025650881
Book / Page	2565 / 881
Map Reference	MB 17 PG 20
Instrument Date	Jan 5, 2021
Instrument	2021028306
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40447 LOVETTSVILLE RD, LOVETTSVILLE, VA 20180-2116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 S EDENBRIDGE WAY, SAINT AUGUSTINE, FL 32092-5025
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$246,165 (+1.3%) Land $52,000 Building $194,165	$246,165 (+1.3%) Land $52,000 Building $194,165
2023	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$243,001 (+434.07%) Land $44,500 Building $198,501	$243,001 (+434.07%) Land $44,500 Building $198,501
2022	$564.00	$45,500 Land $45,500	$45,500 Land $45,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 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

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

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 189 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Universal Trl

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