Flagler County property record for 12 Post Tree Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,859 sqft · built 2003 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $126,100 (Feb 2003) |
| Tax Bill | $2,121 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7028-00600-0480 |
| Primary APN | 07-11-31-7028-00600-0480 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,642 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2008 |
| 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 | 416 sqft |
| Pool Area | 967 sqft |
| Storage Building | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 12 POST TREE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 28 BL 60 LT 48 OR 177 PG 612 OR 336 PG 711 OR 365 PG 727 OR 396 PG 872 OR 650 PG 496 OR 840 PG 1585 OR 895 PG |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 60 |
| Legal Lot Number | 48 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 60213 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 12 POST TREE LN, PALM COAST, FL 32164-6719 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jul 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage CARNIDAL FINANCIAL CO |
| Mar 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2003 · Amount on Record |
| Deed Sale | Feb 7, 2003 · Amount on Record |
| Prior Sale | Aug 3, 2002 · Amount on Record |
| Deed Document Number | 0089501036 |
| Deed Book / Page | 00895 / 01036 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 12 POST TREE LN, PALM COAST, FL 32164-6719 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022960473 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 2296/0473 |
| Instrument | 2018028396 |
| Name | CARNIDAL FINANCIAL CO |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 12 POST TREE LN, PALM COAST, FL 32164-6719 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024270486 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 2427/486 |
| Instrument | 2020010107 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 12 POST TREE LN, PALM COAST, FL 32164-6719 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 12 POST TREE LN, PALM COAST, FL 32164-6719 |
| Document Number | 0026300395 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | 2630/395 |
| Instrument | 2021064056 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Mar 1, 2050 |
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 | $2,121.00 (+5.89%) Homeowner's exemption | $159,893 (+5.99%) | $301,261 (+0.79%) Land $53,500 Building $247,761 |
| 2023 | $2,003.00 (+1.47%) Homeowner's exemption | $150,861 (+3%) | $298,897 (+5.26%) Land $44,000 Building $254,897 |
| 2022 | $1,974.00 Homeowner's exemption | $146,467 | $283,957 Land $43,500 Building $240,457 |
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 60 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 337 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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