118 Karas Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 118 Karas Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,862 sqft · built 2022
Lot Size	0.312 acres (13,591 sqft)
Owner	Company Name on File
Last Sale	$336,990 (May 2022)
Tax Bill	$4,271 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`07-11-31-7065-00480-0010`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7065-00480-0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,862 sqft Living Area
1st Floor Area	1,862 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,591 sqft (0.312 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 KARAS TRL
City	PALM COAST
State	FL
Zip	32164-5617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 65 BL 48 LT 1 OR 553 PG 1539 OR 602 PG 1108 OR 1109 PG 637 OR 1131 PG 364
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	48
Legal Lot Number	1
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2024
Census Tract	60208

Owner

118 Karas Trl is owned by a company that bought it in May 2022 and is owner-occupied.

Source: Flagler County records, as of August 4, 2026

Owner of Record	Company Name on File
Mailing Address	118 KARAS TRL, PALM COAST, FL 32164-5617
Occupancy	Owner Occupied
Owner Type	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Apr 27, 2021 · Amount on File
Deed Document Number	202223574
Deed Book / Page	2684 / 1460
Record Updated	Oct 29, 2026

May 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 5, 2022
Property Address	118 KARAS TRL, PALM COAST, FL 32164-5617
Document Number	0026841460
Book / Page	2684 / 1460
Map Reference	MB 17 PG 56-67
Instrument Date	Apr 29, 2022
Instrument	2022023574
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2024
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, ST JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 KARAS TRL, PALM COAST, FL 32164-5617

Mortgage

Document Number	0026841461
Date	May 5, 2022
Instrument	2684/1461

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 118 Karas Trl was $4,271 with a homeowner's exemption.

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	$4,271.00 Homeowner's exemption	$278,200 Land $51,500 Building $226,700	$278,200 Land $51,500 Building $226,700
2023	$4,257.00 (+392.14%) Homeowner's exemption	$272,493 (+498.89%) Land $42,500 Building $229,993	$272,493 (+498.89%) Land $42,500 Building $229,993
2022	$865.00	$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

FEMA maps place 118 Karas Trl in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 58 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	4 (2001–2019)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Dec 2019
Claims by Event	Hurricane Irma, Sep 2017 · 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

Wildfire risk around 118 Karas Trl is moderate, ranking above 58% 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 58% of the US · lower than 69% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 103 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
T-Mobile Fixed Wireless	100 / 20