16 Bruce Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 16 Bruce Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,612 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Owner Names on File
Last Sale	$87,600 (Jun 1997)
Tax Bill	$1,239 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7013-00160-0270`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7013-00160-0270`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,612 sqft Heated Area
Gross Area	2,204 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	16 BRUCE LN
City	PALM COAST
State	FL
Zip	32137-8713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 13 BL 16 LT 27 OR 202 PG 1003 OR 575 PG 997 OR 586 PG 850
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	16
Legal Lot Number	27
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2007
Census Tract	60220

Owner

Source: Flagler County records · APN 07-11-31-7013-00160-0270

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	2 Owner Names on File
Mailing Address	16 BRUCE LN, PALM COAST, FL 32137-8713
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 1997 · Amount on Record
Deed Sale	Jun 27, 1997 · Amount on Record
Prior Sale	Feb 11, 1997 · Amount on Record
Deed Document Number	0058600850
Deed Book / Page	00586 / 00850
Record Updated	Jun 08, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	16 BRUCE LN, PALM COAST, FL 32137-8713
Document Number	0022301009
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BRUCE LN PALM COAST FL 321378713, PALM COAST, FL 32137-8713

Mortgage

Document Number	0022301009
Date	Sep 18, 2017
Book Page	002230/001009
Instrument	32479

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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	$1,239.00 (+7.27%) Homeowner's exemption	$111,368 (+5.99%)	$236,652 (+1.7%) Land $53,500 Building $183,152
2023	$1,155.00 (+2.39%) Homeowner's exemption	$105,077 (+3%)	$232,691 (+5.58%) Land $45,000 Building $187,691
2022	$1,128.00 Homeowner's exemption	$102,016	$220,390 Land $44,500 Building $175,890

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), as of March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602202, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

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.

Internet Providers

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2180863, 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

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 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.