12 Emerald Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 12 Emerald Ln, Palm Coast, FL 32164

Property Summary

Property Type	Multi-Family Dwellings
Details	4 ba · 2,624 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Aug 2024)
Tax Bill	$6,620 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7034-00040-0210`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7034-00040-0210`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,624 sqft Heated Area
Gross Area	3,427 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
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	1,045 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	12 EMERALD LN
City	PALM COAST
State	FL
Zip	32164-6144
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	DPX
Legal Description	PALM COAST SECTION 34 BLOCK 00004 LOT 0021 SUBDIVISION COMPLETION YEAR 1982 OR 213/1010 OR 855/374 OR 1121/1647 OR 1887/32 OR
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	4
Legal Lot Number	21
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1024
Census Tract	60218

Owner

12 Emerald Ln, a residential property, is owned by an individual who bought it in August 2024.

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	317 NEWARK AVE, UNION, NJ 07083-9212
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2024 · Amount on File
Deed Sale	Aug 2, 2024 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Document Number	2024032952
Deed Book / Page	2890 / 825
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 26, 2019
Property Address	12 EMERALD LN, PALM COAST, FL 32164-6144
Document Number	0023431214
Book / Page	2343 / 1214
Map Reference	MB 11 PG 30
Instrument Date	Mar 20, 2019
Instrument	2019010178
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PIONEER TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 PRESTON RD, 91, COLONIA, NJ 07067-2447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 EMERALD LN, PALM COAST, FL 32164-6144
Investor	Possibly a Property Investor

Mortgage

Document Number	2019010179
Date	Mar 26, 2019
Instrument	2019010179

Lender

Name	HANCOCK MORTGAGE PARTNERS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12 Emerald Ln was $6,620.

Source: Flagler County assessment roll, as of July 1, 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	$6,620.00	$364,271 Land $65,500 Building $298,771	$364,271 Land $65,500 Building $298,771
2023	$5,919.00 (+4.08%)	$346,518 (+0.73%) Land $60,000 Building $286,518	$346,518 (+0.73%) Land $60,000 Building $286,518
2022	$5,687.00	$344,009 Land $59,500 Building $284,509	$344,009 Land $59,500 Building $284,509

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

Flood

FEMA maps place 12 Emerald Ln 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 111 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	111 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

Wildfire risk around 12 Emerald Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20