20 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 20 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,985 sqft · built 2021
Lot Size	0.301 acres (13,112 sqft)
Owner	Trust Name on File
Last Sale	$323,900 (Oct 2021)
Tax Bill	$4,518 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00460-0070`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00460-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,985 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,112 sqft (0.301 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SEC 57 BLK 46 LOT 7 OR 227 PG 156
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	46
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1009
Census Tract	60208

Owner

20 Universal Trl is owner-occupied and held in a trust since October 2021.

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

Owner of Record	Trust Name on File
Co-owner	Co-owner on File
Mailing Address	20 UNIVERSAL TRL, PALM COAST, FL 32164-5713
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Oct 12, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC
Mar 10, 2021	Warranty Deed, Transfer EMPOWER TITLE, EMPOWER TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on File
Deed Sale	Oct 12, 2021 · Amount on File
Prior Sale	Mar 10, 2021 · Amount on File
Deed Document Number	2021056244
Deed Book / Page	2616 / 86
Record Updated	Jun 8, 2026

October 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 12, 2021
Property Address	20 UNIVERSAL TRL, PALM COAST, FL 32164-5713
Document Number	0026160086
Book / Page	2616 / 86
Map Reference	MB 17 PG 12
Instrument Date	Oct 7, 2021
Instrument	2021056244
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025
Title Company	EMPOWER TITLE, EMPOWER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,267.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1450 LAKE ROBBINS DR # DR430, DR430, THE WOODLANDS, TX 77380-3258

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 UNIVERSAL TRL, PALM COAST, FL 32164-5713

Mortgage

Document Number	0000261688
Date	Oct 12, 2021
Instrument	2616/88

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 10, 2021
Property Address	20 UNIVERSAL TRL, PALM COAST, FL 32164-5713
Document Number	0025361577
Book / Page	2536 / 1577
Map Reference	MB 17 PG 12
Instrument Date	Feb 25, 2021
Instrument	2021012745
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	EMPOWER TITLE, EMPOWER TITLE LLC

Transaction

Amount	Amount on Record
Tax	$168.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 N HARBOR DRIVE APT 3604, 3604, CHICAGO, IL 60601-7368

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 LAKE ROBBINS DR STE 430, 430, THE WOODLANDS, TX 77380-3294
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 20 Universal Trl was $4,518 with exemptions applied.

Source: Flagler County assessment roll, as of July 1, 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	$4,518.00 Homeowner's exemption Disabled Person's exemption	$296,783 Land $52,500 Building $244,283	$296,783 Land $52,500 Building $244,283
2023	$4,693.00 (-0.97%) Homeowner's exemption Disabled Person's exemption	$301,045 (+3%)	$301,951 (+3.31%) Land $45,000 Building $256,951
2022	$4,739.00 Homeowner's exemption Disabled Person's exemption	$292,277 Land $46,000 Building $246,277	$292,277 Land $46,000 Building $246,277

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

Flood

FEMA maps place 20 Universal Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

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 File median of 35 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 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 20 Universal Trl is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 197 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
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Universal Trl

Nearby Streets

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