Flagler County property record for 108 Smith Trl, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,832 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jan 2015) |
| Tax Bill | $1,875 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7059-00390-0050 |
| Primary APN | 07-11-31-7059-00390-0050 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,832 sqft Living Area |
| Gross Area | 2,383 sqft |
| 1st Floor Area | 1,832 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 459 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 SMITH TRL |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 59 BLK 39 LOT 5 OR 687 PG 1052 OR 962 PG 114 OR 1024 PG 905 OR 1130 PG 580 OR 1206/1404 OR 2043/938 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 39 |
| Legal Lot Number | 5 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 60208 |
108 Smith Trl is owned and occupied by two individuals who acquired it in June 2021.
Source: Flagler County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 SMITH TRL, PALM COAST, FL 32164-5582 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION |
| Jul 20, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2015 · Amount on File |
| Deed Sale | Jan 12, 2015 · Amount on File |
| Prior Sale | Feb 23, 2005 · Amount on File |
| Deed Document Number | 20151004 |
| Deed Book / Page | 2043 / 938 |
| Last Transfer Date | Jun 23, 2021 |
| Transfer Doc | 0025851612 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 6, 2026 |
| Property Address | 108 SMITH TRL, PALM COAST, FL 32164-5582 |
| Document Number | 0000026809 |
| Book / Page | 3067 / 1621 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202626809 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 108 SMITH TRL, PALM COAST, FL 32164-5582 |
| Document Number | 0000026809, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 3067/1621 |
| Instrument | 202626809 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 20, 2021 |
| Property Address | 108 SMITH TRL, PALM COAST, FL 32164-5582 |
| Document Number | 0025851612 |
| Book / Page | 2585 / 1612 |
| Map Reference | MB 19 PG 41-50 |
| Instrument Date | Jun 23, 2021 |
| Instrument | 2021039609 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | MORTGAGE CONNECT LP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 SMITH TRL, PALM COAST, FL 32164-5582 |
| Document Number | 25851615 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2585/1615 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
The 2025 property tax bill for 108 Smith Trl was $1,875 with a homeowner's exemption, up 2.8% from the year before.
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,875.00 (+2.8%) Homeowner's exemption | $146,364 | $252,307 Land $52,000 Building $200,307 |
| 2024 | $1,824.00 (+3.23%) | ||
| 2023 | $1,767.00 (+1.67%) Homeowner's exemption | $138,097 (+3%) | $255,885 (+4.6%) Land $44,500 Building $211,385 |
| 2022 | $1,738.00 Homeowner's exemption | $134,075 | $244,639 Land $44,000 Building $200,639 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Smith Trl in Zone X, an area of minimal flood risk.
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 File median of 45 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 45 in force |
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 risk around 108 Smith Trl is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 263 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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