Flagler County property record for 11 Pepper Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,928 sqft · built 2004 |
| Lot Size | 0.23 acres (10,062 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $235,900 (Nov 2004) |
| Tax Bill | $2,182 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7025-00330-0150 |
| Primary APN | 07-11-31-7025-00330-0150 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 2,928 sqft Heated Area |
| Gross Area | 3,732 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,062 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 504 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 11 PEPPER LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-7462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 25 BLOCK 00033 LOT 0015 SUBDIVISION COMPLETION YEAR 1975 OR 114 PG 271 OR 394 PG 91/92 DC/ACM OR 394 PG 94 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 33 |
| Legal Lot Number | 15 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 60212 |
The current owner of 11 Pepper Ln bought it in November 2004.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 11 PEPPER LN, PALM COAST, FL 32164-7462 |
| Occupancy | Owner Occupied |
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 |
|---|---|
| Aug 9, 2022 | Deed of Trust, Mortgage · Line of Credit BARWICK BANKING CO |
| Jul 9, 2021 | Deed of Trust, Mortgage · VA Mortgage CITIZENS BANK NA |
| Aug 19, 2017 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2004 · Amount on File |
| Deed Sale | Nov 29, 2004 · Amount on File |
| Prior Sale | Aug 4, 2004 · Amount on File |
| Deed Document Number | 2004066187 |
| Deed Book / Page | 1171 / 1916 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 11 PEPPER LN, PALM COAST, FL 32164-7462 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0027130607 |
|---|---|
| Date | Aug 9, 2022 |
| Book Page | 2713/607 |
| Instrument | 2022040598 |
| Name | BARWICK BANKING CO |
|---|---|
| Type | Bank |
| Address | BARWICK, GA 31720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 11 PEPPER LN, PALM COAST, FL 32164-7462 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | OLDE FLORIDA TITLE |
| Name | Verified Name |
|---|---|
| Address | 11 PEPPER LN, PALM COAST, FL 32164-7462 |
| Document Number | 0025821044 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 2582/1044 |
| Instrument | 2021037667 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 11 PEPPER LN, PALM COAST, FL 32164-7462 |
| Document Number | 0022270473 |
| Book / Page | 002227 / 000473 |
| Instrument Date | Aug 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 PEPPER LN PALM COAST FL 321647462, PALM COAST, FL 32164-7462 |
| Document Number | 0022270473 |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 002227/000473 |
| Instrument | 30568 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2047 |
The 2025 property tax bill for 11 Pepper Ln was $2,182 with a homeowner's exemption.
Source: Flagler County assessment roll, as of July 1, 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 | $2,182.00 Homeowner's exemption | $163,238 | $337,775 Land $52,000 Building $285,775 |
| 2023 | $1,953.00 (+1.51%) Homeowner's exemption | $148,165 (+3%) | $335,222 (+2.56%) Land $42,500 Building $292,722 |
| 2022 | $1,924.00 Homeowner's exemption | $143,849 | $326,841 Land $43,000 Building $283,841 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Pepper Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2007.
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 56 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 7 (2007–2024) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 11 Pepper 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 67% of the US · lower than 92% 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.
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 188 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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