Flagler County property record for 12 Bruce Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,236 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Mar 2018) |
| Tax Bill | $3,440 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7013-00160-0260 |
| Primary APN | 07-11-31-7013-00160-0260 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,236 sqft Heated Area |
| Gross Area | 2,911 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 | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 468 sqft |
| Fence | Fence |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 12 BRUCE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 13 BLOCK 00016 LOT 0026 SUBDIVISION COMPLETION YEAR 1980 OR 188 PG 408 OR 919 PG 1578 OR 1063 PG 175 OR 22 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 16 |
| Legal Lot Number | 26 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60220 |
Source: Flagler County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12 BRUCE LN, PALM COAST, FL 32137-8713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Mar 2, 2018 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 2, 2018 · Amount on Record |
| Deed Sale | Mar 2, 2018 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Document Number | 2018007684 |
| Deed Book / Page | 2262 / 1862 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 12 BRUCE LN, PALM COAST, FL 32137-8713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 12 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0025090720 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 2509/720 |
| Instrument | 2020054475 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 2, 2018 |
| Property Address | 12 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0022621862 |
| Book / Page | 2262 / 1862 |
| Map Reference | MB07 PG1-10 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 2018007684 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AGENTS CHOICE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 SPANISH PINE WAY, 14, ORMOND BEACH, FL 32174-1861 |
| Name | Verified Name |
|---|---|
| Address | 12 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 2018007685 |
|---|---|
| Date | Mar 2, 2018 |
| Instrument | 2018007685 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
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 | $3,440.00 (+5.13%) Homeowner's exemption | $232,459 (+5.99%) | $312,432 (+1.75%) Land $53,500 Building $258,932 |
| 2023 | $3,272.00 (+17.57%) Homeowner's exemption | $219,327 (+16.04%) | $307,057 (+17.15%) Land $45,000 Building $262,057 |
| 2022 | $2,783.00 Homeowner's exemption | $189,004 | $262,111 Land $44,500 Building $217,611 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 21 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 21 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 426 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures