Flagler County property record for 18 Surf Dr, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,513 sqft · built 1989 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Apr 2017) |
| Tax Bill | $2,809 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 39-10-31-4250-00140-0080 |
| Primary APN | 39-10-31-4250-00140-0080 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,513 sqft Heated Area |
| Gross Area | 3,556 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,235 sqft (0.212 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 18 SURF DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-2421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 2ND ADDITION MARINELAND ACRES BLOCK 14 LOT 8 OR 105 PG 446 OR 285 PG 627 OR 340 PG 183 OR 417 PG 347 OR 2121/1903 OR 2198/154 |
| Legal Range | 31E |
| Legal Township | 10S |
| Legal Section | 39 |
| Legal Subdivision | MARINELAND ACRES |
| Legal Block | 14 |
| Legal Lot Number | 8 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 60106 |
18 Surf Dr is owned and occupied by an individual who bought it in April 2017.
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 | 18 SURF DR, PALM COAST, FL 32137-2421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 10, 2017 | Warranty Deed, Transfer · VA Mortgage HAMILTON GROUP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2017 · Amount on File |
| Deed Sale | Apr 10, 2017 · Amount on File |
| Prior Sale | Apr 13, 2016 · Amount on File |
| Deed Document Number | 2017012549 |
| Deed Book / Page | 2198 / 0154 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 18 SURF DR, PALM COAST, FL 32137-2421 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0026200818 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 2620/818 |
| Instrument | 2021058625 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 10, 2017 |
| Property Address | 18 SURF DR, PALM COAST, FL 32137-2421 |
| Document Number | 0021980154 |
| Book / Page | 2198 / 0154 |
| Map Reference | MB5 PG60-62 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 2017012549 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | PARADISE TITLE OF ST AUGUSTI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7212 A1A S, 7212, SAINT AUGUSTINE, FL 32080-8109 |
| Name | Verified Name |
|---|---|
| Address | 18 SURF DR, PALM COAST, FL 32137-2421 |
| Document Number | 2017012550 |
|---|---|
| Date | Apr 10, 2017 |
| Instrument | 2017012550 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 18 Surf Dr was $2,809 with a homeowner's exemption.
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,809.00 Homeowner's exemption | $240,449 | $427,406 Land $180,000 Building $247,406 |
| 2023 | $3,552.00 (+5.78%) Homeowner's exemption | $226,867 (+3%) | $393,802 (+7.59%) Land $151,500 Building $242,302 |
| 2022 | $3,358.00 Homeowner's exemption | $220,259 | $366,012 Land $131,000 Building $235,012 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Surf Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 627 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,191 units insured incl. 564 condo units |
| Nearby Flood Claims | 121 (2004–2024) |
| Claims Outside the SFHA | 15 of 121 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 18 Surf Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 421 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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