Flagler County property record for 20 Patchogue Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,554 sqft · built 1997 |
| Lot Size | 0.242 acres (10,585 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $87,300 (Aug 1998) |
| Tax Bill | $1,033 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2021 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7025-00670-0060 |
| Primary APN | 07-11-31-7025-00670-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,554 sqft Heated Area |
| Gross Area | 2,455 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,585 sqft (0.242 acres) |
| Driveway | Driveway |
| Driveway Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 20 PATCHOGUE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-7556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 25 BL 67 LT 6 OR 209 PG 25 OR 508 PG 1592 OR 571 PG 1882 OR 584 PG 1950 OR 623 PG 839 OR 808 PG 1052 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 67 |
| Legal Lot Number | 6 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 60212 |
Source: Flagler County records, as of December 22, 2025
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 Record |
|---|---|
| Mailing Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Feb 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 1998 · Amount on Record |
| Deed Sale | Aug 4, 1998 · Amount on Record |
| Prior Sale | Aug 4, 1998 · Amount on Record |
| Deed Document Number | 0006230839 |
| Last Transfer Date | Mar 13, 2002 |
| Transfer Doc | 0008081052 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0026691816 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 2669/1816 |
| Instrument | 2022014753 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Document Number | 0026311826 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 2631/1826 |
| Instrument | 2021064998 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Document Number | 0023871931 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 PATCHOGUE LN PALM COAST FL 321647556, PALM COAST, FL 32164-7556 |
| Document Number | 0023871931 |
|---|---|
| Date | Oct 1, 2019 |
| Book Page | 002387/001931 |
| Instrument | 36361 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 30, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 PATCHOGUE LN, PALM COAST, FL 32164-7556 |
| Document Number | 0023361834 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 PATCHOGUE LN PALM COAST FL 321647556, PALM COAST, FL 32164-7556 |
| Document Number | 0023361834 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | 002336/001834 |
| Instrument | 6117 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILL, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 21, 2029 |
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 | $1,033.00 (+9.08%) Homeowner's exemption Disabled Person's exemption | $110,042 (+5.99%) | $231,265 (-0.26%) Land $52,000 Building $179,265 |
| 2023 | $947.00 (-14.3%) Homeowner's exemption Disabled Person's exemption | $103,825 (+3%) | $231,872 (+2.3%) Land $42,500 Building $189,372 |
| 2022 | $1,105.00 Homeowner's exemption | $100,801 | $226,648 Land $43,000 Building $183,648 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 56 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 7 (2007–2024) |
| Claims Outside the SFHA | 7 of 7 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 294 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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