Flagler County property record for 13 Bruce Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,311 sqft · built 1997 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $237,000 (Jul 2021) |
| Tax Bill | $3,772 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7013-00170-0220 |
| Primary APN | 07-11-31-7013-00170-0220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,311 sqft Heated Area |
| Gross Area | 1,955 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2004 |
| 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 | 400 sqft |
| Storage Building | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 13 BRUCE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 13 BL 17 LT 22 OR 403 PG 353 OR 571 PG 1312-DC OR 571 PG 1313-ACM OR 571 PG 1314OR 571 PG 1315 OR 1683/885-OD |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 17 |
| Legal Lot Number | 22 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 60220 |
Source: Flagler County records · APN 07-11-31-7013-00170-0220
Assessment roll updated July 1, 2025 · Last verified January 2026
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 |
|---|---|
| Mailing Address | 32 BICKSHIRE LN, PALM COAST, FL 32137-9300 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on Record |
| Deed Sale | Jul 13, 2021 · Amount on Record |
| Prior Sale | Nov 28, 2017 · Amount on Record |
| Deed Document Number | 2021038267 |
| Deed Book / Page | 2583 / 1094 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 13, 2021 |
| Property Address | 13 BRUCE LN, PALM COAST, FL 32137-8714 |
| Document Number | 0025831094 |
| Book / Page | 2583 / 1094 |
| Map Reference | MB 7 PG 1-10 |
| Instrument Date | Jul 05, 2021 |
| Instrument | 2021038267 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | COVENANT CLOSING & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,659.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 BANTON LN, 11, PALM COAST, FL 32137-8887 |
| Name | Verified Name |
|---|---|
| Address | 32 BICKSHIRE LN, PALM COAST, FL 32137-9300 |
| Document Number | 25831096 |
|---|---|
| Date | Jul 13, 2021 |
| Instrument | 2583/1096 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 28, 2017 |
| Property Address | 13 BRUCE LN, PALM COAST, FL 32137-8714 |
| Document Number | 0022431898 |
| Book / Page | 2243 / 1898 |
| Map Reference | MB7 PG1-10 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 2017041536 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $896.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 3 REYNOLDS PL, PALM COAST, FL 32164-6658 |
| Document Number | 2017041537 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 2017041537 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,772.00 (+0.37%) | $207,567 (+2.33%) Land $53,500 Building $154,067 | $207,567 (+2.33%) Land $53,500 Building $154,067 |
| 2023 | $3,758.00 (-0.08%) | $202,837 (+2.62%) Land $45,000 Building $157,837 | $202,837 (+2.62%) Land $45,000 Building $157,837 |
| 2022 | $3,761.00 | $197,664 Land $44,500 Building $153,164 | $197,664 Land $44,500 Building $153,164 |
Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 426 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people |
|---|---|
| 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 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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