20 Cris Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 20 Cris Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,751 sqft · built 2023
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Apr 2023)
Tax Bill	$5,995 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07-11-31-7016-00120-0230`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7016-00120-0230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,751 sqft Living Area
1st Floor Area	1,751 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20 CRIS LN
City	PALM COAST
State	FL
Zip	32137-9090
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 16 BLOCK 00012 LOT 0023 SUBDIVISION COMPLETION YEAR 1980 OR 238 PG 511 OR 1832/309 OR 1846/885 OR 1925/1340 OR 2173/446
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	12
Legal Lot Number	23
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1018
Census Tract	60104

Owner

Source: Flagler County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 CRIS LN, PALM COAST, FL 32137-9090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Dec 7, 2016 · Amount on Record
Deed Document Number	202315174
Deed Book / Page	2771 / 1109
Prior Transfer Date	Feb 18, 2013
Prior Transfer Doc	0019251340
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 13, 2023
Property Address	20 CRIS LN, PALM COAST, FL 32137-9090
Document Number	0027711109
Book / Page	2771 / 1109
Map Reference	MB 6 PG 81-86
Instrument Date	Apr 6, 2023
Instrument	2023015174
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 SURREY CT, PALM COAST, FL 32137-7364

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CRIS LN, PALM COAST, FL 32137-9090

Mortgage

Document Number	0027711110
Date	Apr 13, 2023
Instrument	2771/1110

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,995.00 (+5.03%) Homeowner's exemption	$373,035 (+180.06%)	$467,080 (+250.66%) Land $117,000 Building $350,080
2024	$5,708.00 (+189.45%)
2023	$1,972.00 (+2.28%)	$133,200 (-2.64%) Land $117,000 Building $16,200	$133,200 (-2.64%) Land $117,000 Building $16,200
2022	$1,928.00	$136,815 Land $118,500 Building $18,315	$136,815 Land $118,500 Building $18,315

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	12 (2001–2022)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 5 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

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

Wildfire Risk	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20