Flagler County property record for 20 Post Tree Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,052 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $96,000 (Sep 2010) |
| Tax Bill | $1,868 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7028-00600-0440 |
| Primary APN | 07-11-31-7028-00600-0440 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,052 sqft Living Area |
| Gross Area | 3,196 sqft |
| 1st Floor Area | 2,052 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 464 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 POST TREE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 28 BLOCK 00060 LOT 0044 SUBDIVISION COMPLETION YEAR 1980 OR 173 PG 233 OR 252 PG 327 OR 439 PG 1029-1030 (DC-ACM) OR 439 PG 1031 OR 813 PG 1697-QC OR 813 PG 1699-QC OR 840 PG 1591 OR 849 PG 1854 OR 1009 PG 209 OR 1099/1243 OR 1774/ |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 60 |
| Legal Lot Number | 44 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 60213 |
Source: Flagler County records, as of May 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 POST TREE LN, PALM COAST, FL 32164-6719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Dec 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Apr 27, 2017 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2010 · Amount on Record |
| Deed Sale | Sep 17, 2010 · Amount on Record |
| Prior Sale | Jun 30, 2010 |
| Deed Document Number | 201025356 |
| Deed Book / Page | 1784 / 173 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 13, 2026 |
| Property Address | 20 POST TREE LN, PALM COAST, FL 32164-6719 |
| Document Number | 0000019541 |
| Book / Page | 3054 / 1196 |
| Instrument Date | May 4, 2026 |
| Instrument | 202619541 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 20 POST TREE LN, PALM COAST, FL 32164-6719 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019541, |
|---|---|
| Date | May 13, 2026 |
| Book Page | 3054/1196 |
| Instrument | 202619541 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 POST TREE LN, PALM COAST, FL 32164-6719 |
| Document Number | 0023251592 |
| Instrument Date | Dec 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 POST TREE LN PALM COAST FL 321646719, PALM COAST, FL 32164-6719 |
| Document Number | 0023251592 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 002325/001592 |
| Instrument | 47270 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 18, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 20 POST TREE LN, PALM COAST, FL 32164-6719 |
| Document Number | 0022050595 |
| Book / Page | 002205 / 000595 |
| Instrument Date | Apr 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 POST TREE LN PALM COAST FL 321646719, PALM COAST, FL 32164-6719 |
| Document Number | 0022050595 |
|---|---|
| Date | May 15, 2017 |
| Book Page | 002205/000595 |
| Instrument | 16991 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 14, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County assessment roll, as of December 8, 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 | $1,868.00 (+2.86%) Homeowner's exemption | $145,937 (+5.99%) | $268,366 (-0.2%) Land $53,500 Building $214,866 |
| 2024 | $1,816.00 (+3.24%) | ||
| 2023 | $1,759.00 (+1.62%) Homeowner's exemption | $137,693 (+3%) | $268,913 (+2.7%) Land $44,000 Building $224,913 |
| 2022 | $1,731.00 Homeowner's exemption | $133,683 | $261,840 Land $43,500 Building $218,340 |
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 60 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 60 in force |
| Nearby Flood Claims | 1 (2017) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% 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 337 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 |
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