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115 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 115 Universal Trl, Palm Coast, FL 32164

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,424 sqft · built 2006
Lot Size0.263 acres (11,456 sqft)
Owner2 Individual Names on File
Last Sale$465,000 (Feb 2026)
Tax Bill$5,757 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Sep 2024 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7057-00370-0210

Property Details

APN / Parcel Number

Primary APN07-11-31-7057-00370-0210

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area2,424 sqft Living Area
Gross Area3,109 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2016
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area11,456 sqft (0.263 acres)
DrivewayConcrete Driveway
Driveway Area468 sqft
Pool Area394 sqft
Deck Area506 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address115 UNIVERSAL TRL
CityPALM COAST
StateFL
Zip32164-5718
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 57 BLK 37 LOT 21 OR 107 PG 5 OR 308 PG 278/DC OR 308 PG 279/ACM OR 793 PG 831 OR 1201 PG 824 OR 1223 PG 1498 OR 1441 PG 541 OR 1859/1938 OR 1864/1368-CD OR 1868/1351
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block37
Legal Lot Number21
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group1
Census Block1017
Census Tract60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00370-0210

Assessment roll updated December 8, 2025 · Last verified June 2026

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

Owner of Record2 Individual Names on File
Mailing Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Feb 03, 2026Warranty Deed, Transfer · Conventional Mortgage
SPACE COAST CU
Sep 16, 2024Correction Deed
ACCOMODATION, ACCOMMODATION
Nov 27, 2023Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 28, 2023Warranty Deed, Transfer · VA Mortgage
TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 03, 2026 · Amount on Record
Deed SaleFeb 03, 2026 · Amount on Record
Prior SaleApr 28, 2023 · Amount on Record
Deed Document Number20264825
Deed Book / Page3027 / 106
Prior Transfer DateDec 27, 2001
Prior Transfer Doc0793000831
Record UpdatedSep 20, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateFeb 03, 2026
Property Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number0030270106
Book / Page3027 / 106
Map ReferenceMB 17 PG 12-28
Instrument DateJan 15, 2026
Instrument2026004825
Transaction TypeTransfer
Record UpdatedFeb 20, 2026
Title CompanyDAYTONA BLUE OCEAN TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address341 DAYLILY BLVD, NOKOMIS, FL 34275-1761

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address5968 GROVE ST S, SAINT PETERSBURG, FL 33705-5538

Mortgage

Document Number0030270109
DateFeb 03, 2026
Book Page3027/109
Instrument2026004826
Lender
NameSPACE COAST CU
TypeCredit Union
AddressMELBOURNE, FL 32940
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2056

September 2024: Correction Deed

Document TypeCorrection Deed
JurisdictionFLAGLER FL
Recording DateSep 16, 2024
Property Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number0029010477
Book / Page2901 / 477
Map ReferenceMB 17 PG 12-28
Instrument DateSep 13, 2024
Instrument2024039292
Record UpdatedDec 23, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718

November 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateNov 27, 2023
Property Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number0028290251
Book / Page2829 / 251
Map ReferenceMB 17 PG 12-28
Instrument DateNov 27, 2023
Instrument2023051023
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateApr 28, 2023
Property Address115 UNIVERSAL TRL, PALM COAST, FL 32164-5718
Document Number0027751654
Book / Page2775 / 1654
Map ReferenceMB 17 PG 12-28
Instrument DateApr 18, 2023
Instrument2023017906
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyUNKNOWN, PORT ORANGE BLUE OCEAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7912 HAMPTON LAKE DR, TAMPA, FL 33647-3661

Transferred To (Grantee/Buyer)

NameVerified Name
Address115 URNS ERSAL TRAIL, PALM COAST, FL 32164

Mortgage

Document Number0027751656
DateApr 28, 2023
Instrument2775/1656
Lender
NameTOWNEBANK MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,757.00 (-1.69%)$364,929 (+4.1%) Land $52,000 Building $312,929$364,929 (+4.1%) Land $52,000 Building $312,929
2023$5,856.00 (+5.38%)$350,562 (+4.71%) Land $44,500 Building $306,062$350,562 (+4.71%) Land $44,500 Building $306,062
2022$5,557.00$334,781 Land $45,500 Building $289,281$334,781 Land $45,500 Building $289,281

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 35 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims6 (2009–2023)
Claims Outside the SFHA6 of 6
Most Recent ClaimOct 2023 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Sep 2022 · 2 claims
  • Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

Wildfire

Wildfire RiskModerate
above 52% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 189 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Metronet Holdings
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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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