108 Black Bear Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 108 Black Bear Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1988
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (May 2025)
Tax Bill	$4,639 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage Aug 2024 Sale + 6 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7081-00810-0030`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7081-00810-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,810 sqft Living Area
Gross Area	2,663 sqft
1st Floor Area	1,810 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2003
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,106 sqft (0.232 acres)
Driveway	Concrete Driveway
Driveway Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 BLACK BEAR LN
City	PALM COAST
State	FL
Zip	32137-7370
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 81 BLOCK 81 LOT 3 OR 362 PG 29 OR 372 PG 920 OR 680 PG 204-DC OR 716/ 1042 OR 2203/867 OR 2381/1195
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	81
Legal Lot Number	3
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1029
Census Tract	60301

Owner

108 Black Bear Ln is owned and occupied by two individuals who bought it in May 2025.

Source: Flagler County records, as of January 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	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

Date	Document
Feb 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 22, 2024	Warranty Deed, Transfer OS NATIONAL LLC
May 20, 2021	Intrafamily Transfer, Transfer
Mar 4, 2022	Correction Deed
Oct 26, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Sep 6, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Sep 14, 2017	Trustee's Deed, Construction Loan · Construction Mortgage JOHNSON SAMUEL E TRUST (PT)
May 5, 2017	Trustee's Deed, Construction Loan · Construction Mortgage ALL PURPOSE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2025 · Amount on File
Deed Sale	May 13, 2025 · Amount on File
Prior Sale	Aug 22, 2024 · Amount on File
Deed Document Number	202520523
Deed Book / Page	2960 / 578
Prior Transfer Date	May 20, 2021
Prior Transfer Doc	0026640586
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370

Mortgage

Document Number	0027561002
Date	Feb 15, 2023
Book Page	2756/1002
Instrument	2023005796

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2043

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 22, 2024
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0028941626
Book / Page	2894 / 1626
Map Reference	MB 27 PG 60
Instrument Date	Aug 7, 2024
Instrument	2024035668
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$1,990.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	510 CASSELMAN ST, SIOUX CITY, IA 51103-3254

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	May 20, 2021
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0025641958
Book / Page	2564 / 1958
Map Reference	MB 362 PG 29
Instrument Date	May 20, 2021
Instrument	2021028055
Transaction Type	Transfer
Record Updated	Jun 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370

March 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 4, 2022
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0026640586
Book / Page	2664 / 586
Map Reference	MB 362 PG 29
Instrument Date	May 19, 2021
Instrument	2022011613
Record Updated	Mar 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 26, 2020
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0024881828
Book / Page	2488 / 1828
Map Reference	MB 27 PG 61
Instrument Date	Oct 20, 2020
Instrument	2020043462
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,504.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 PORT ROYAL DR, 5, PALM COAST, FL 32164-6730

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370

Mortgage

Document Number	0024881830
Date	Oct 26, 2020
Instrument	2488/1830

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 6, 2019
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0023811195
Book / Page	002381 / 001195
Instrument Date	Aug 26, 2019
Instrument	32841
Transaction Type	Foreclosure
Record Updated	Sep 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$721.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 PORT ROYAL DR PALM COAST FL 321646730, PALM COAST, FL 32164-6730

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 14, 2017
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0022291535
Book / Page	002229 / 001535
Instrument Date	Aug 18, 2017
Instrument	32023
Transaction Type	Construction Loan
Record Updated	Oct 12, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12407 20TH AVE COLLEGE POINT NY 113562341, COLLEGE POINT, NY 11356-2341

Mortgage

Document Number	22291535
Date	Sep 14, 2017
Book Page	002229/001535
Instrument	32023

Lender

Name	JOHNSON SAMUEL E TRUST (PT)
Address	PO BOX 598, HILLIARD, FL 32046-0598

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 13, 2018

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FLAGLER FL
Recording Date	May 5, 2017
Property Address	108 BLACK BEAR LN, PALM COAST, FL 32137-7370
Document Number	0022030868
Book / Page	002203 / 000868
Instrument Date	Apr 21, 2017
Instrument	15899
Transaction Type	Construction Loan
Record Updated	Jun 20, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12307 20TH AVE COLLEGE POINT NY 113562213, COLLEGE POINT, NY 11356-2213

Mortgage

Document Number	22030868
Date	May 5, 2017
Book Page	002203/000868
Instrument	15899

Lender

Name	ALL PURPOSE GROUP LLC
Address	5290 BIG ISLAND DR # 2212, JACKSONVILLE, FL 32246-5314

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 4, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 108 Black Bear Ln was $4,639, up 44.9% 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	$4,639.00 (+44.88%)	$255,261 Land $31,000 Building $224,261	$255,261 Land $31,000 Building $224,261
2024	$3,202.00 (+3.62%)
2023	$3,090.00 (-8.25%) Homeowner's exemption Disabled Person's exemption Widower's exemption Additional exemption filed	$263,472 (+3%)	$264,082 (+3.24%) Land $28,500 Building $235,582
2022	$3,368.00 Homeowner's exemption Disabled Person's exemption Widower's exemption Additional exemption filed	$255,798 Land $27,000 Building $228,798	$255,798 Land $27,000 Building $228,798

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

Flood

FEMA maps place 108 Black Bear 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 272 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	272 in force
Nearby Flood Claims	79 (1994–2024)
Claims Outside the SFHA	8 of 79
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Irma, Sep 2017 · 42 claims Hurricane Matthew, Oct 2016 · 6 claims Hurricane Frances, Sep 2004 · 8 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 108 Black Bear Ln is moderate, ranking above 48% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within 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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

108 Black Bear Ln, Palm Coast, FL 32137 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2022: Correction Deed

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2017: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2017: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Black Bear Ln

Nearby Streets

Search Property Records by Address or Parcel Number