2 Andover Dr, Palm Coast, FL 32137 Property Records

Flagler County property record for 2 Andover Dr, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,477 sqft · built 1987
Lot Size	0.126 acres (5,532 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2020)
Tax Bill	$4,754 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`20-10-31-5365-00010-0200`

Property Details

APN / Parcel Number

Primary APN	`20-10-31-5365-00010-0200`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,477 sqft Heated Area
Gross Area	2,059 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,532 sqft (0.126 acres)
Driveway	Driveway
Driveway Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2 ANDOVER DR
City	PALM COAST
State	FL
Zip	32137-2514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SEA COLONY SUBDIVISION PHASE II LOT 20 OR 342 PG 511 OR 526 PG 603(DC) OR 2364/504-DC OR 2368/342 OR 2413/1767 OR 2430/546
Legal Range	31E
Legal Township	10S
Legal Section	20
Legal Subdivision	SEA COLONY SUBDIVISION
Legal Phase	2
Legal Lot Number	20
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	3
Census Block	3003
Census Tract	60106

Owner

2 Andover Dr is owned by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2212 SUMMERFIELD LN, SEVIERVILLE, TN 37876-7023
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2020 · Amount on File
Deed Sale	Mar 24, 2020 · Amount on File
Deed Document Number	2020011899
Deed Book / Page	2430 / 546
Record Updated	Jun 8, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 24, 2020
Property Address	2 ANDOVER DR, PALM COAST, FL 32137-2514
Document Number	0024300546
Book / Page	2430 / 546
Map Reference	MB 27 PG 30
Instrument Date	Mar 20, 2020
Instrument	2020011899
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1622 HOLLY BLVD, 1622, MANASQUAN, NJ 08736-1740

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2212 SUMMERFIELD LN, SEVIERVILLE, TN 37876-7023

Mortgage

Document Number	0024300548
Date	Mar 24, 2020
Instrument	2430/0548

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2 Andover Dr was $4,754.

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,754.00	$337,520 Land $101,000 Building $236,520	$337,520 Land $101,000 Building $236,520
2023	$4,827.00 (+15.2%)	$346,665 (+20.89%) Land $101,000 Building $245,665	$346,665 (+20.89%) Land $101,000 Building $245,665
2022	$4,190.00	$286,770 Land $101,000 Building $185,770	$286,770 Land $101,000 Building $185,770

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

Flood

FEMA maps place 2 Andover 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	6.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 380 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	380 in force
Nearby Flood Claims	236 (1994–2024)
Claims Outside the SFHA	70 of 236
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 10 claims Hurricane Irma, Oct 2017 · 51 claims Hurricane Matthew, Oct 2016 · 140 claims

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 2 Andover Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 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