Flagler County property record for 2 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,378 sqft · built 2003 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $109,900 (Sep 2008) |
| Tax Bill | $1,135 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00590-0110 |
| Primary APN | 07-11-31-7065-00590-0110 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,378 sqft Heated Area |
| Gross Area | 2,179 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 | 15,072 sqft (0.346 acres) |
| Driveway | Driveway |
| Driveway Area | 450 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00059 LOT 0011 SUBDIVISION OR 553 PG 1539 OR 790 PG 490 OR 1247/1170 OR 1655/1515 OR 1680/1005 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 59 |
| Legal Lot Number | 11 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 60208 |
The current owner of 2 Karat Path bought it in September 2008.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Apr 8, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Dec 20, 2018 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Nov 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2008 · Amount on File |
| Deed Sale | Sep 19, 2008 · Amount on File |
| Prior Sale | Apr 16, 2008 |
| Deed Document Number | 2008027491 |
| Deed Book / Page | 1680 / 1005 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Document Number | 0029891402 |
|---|---|
| Date | Sep 9, 2025 |
| Book Page | 2989/1402 |
| Instrument | 2025037103 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Document Number | 0026760150 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 2676/150 |
| Instrument | 2022018465 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023260290 |
|---|---|
| Date | Dec 20, 2018 |
| Book Page | 2326/0290 |
| Instrument | 2018047459 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 2 KARAT PATH, PALM COAST, FL 32164-5669 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023960068 |
|---|---|
| Date | Nov 4, 2019 |
| Book Page | 2396/0068 |
| Instrument | 2019041040 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Nov 1, 2042 |
The 2025 property tax bill for 2 Karat Path was $1,135 with a homeowner's exemption.
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 | $1,135.00 Homeowner's exemption | $105,614 | $225,186 Land $53,550 Building $171,636 |
| 2023 | $1,054.00 (+2.53%) Homeowner's exemption | $99,648 (+3%) | $213,265 (+0.83%) Land $44,100 Building $169,165 |
| 2022 | $1,028.00 Homeowner's exemption | $96,746 | $211,511 Land $47,250 Building $164,261 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Karat Path in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 58 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 4 (2001–2019) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Dec 2019 |
| 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 2 Karat Path is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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