Flagler County property record for 21 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,406 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,900 (Jul 2018) |
| Tax Bill | $1,973 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00550-0340 |
| Primary APN | 07-11-31-7065-00550-0340 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 2,143 sqft |
| 1st Floor Area | 1,406 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2009 |
| 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 | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 21 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00055 LOT 0034 SUBDIVISION OR 553 PG 1539 OR 790 PG 490 OR 1187 PG 656 OR 1187 PG 658 OR 1843/991 OR 1864/1476 OR 2296/894 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 55 |
| Legal Lot Number | 34 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 60208 |
21 Karat Path is owned and occupied by an individual who acquired it in September 2021.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Sep 24, 2021 | Intrafamily Transfer, Transfer |
| Jul 31, 2018 | Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2018 · Amount on File |
| Deed Sale | Jul 31, 2018 · Amount on File |
| Prior Sale | Apr 17, 2012 · Amount on File |
| Deed Document Number | 201828514 |
| Deed Book / Page | 2296 / 894 |
| Last Transfer Date | Sep 24, 2021 |
| Transfer Doc | 0026090006 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0026861348 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 2686/1348 |
| Instrument | 2022024751 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0024850691 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 2485/691 |
| Instrument | 2020041455 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0026090006 |
| Book / Page | 2609 / 6 |
| Map Reference | MB 17 PG 56-67 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2021052452 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 31, 2018 |
| Property Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0022960894 |
| Book / Page | 2296 / 0894 |
| Map Reference | MB17 PG56-67 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 2018028514 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2021 |
| Title Company | TRULY YOURS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,287.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 30 BAY CT, 30, ORMOND BEACH, FL 32174-9251 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 2018028515 |
|---|---|
| Date | Jul 31, 2018 |
| Instrument | 2018028515 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
The 2025 property tax bill for 21 Karat Path was $1,973 with a homeowner's exemption, up 2.8% from the year before.
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 | $1,973.00 (+2.81%) Homeowner's exemption | $151,740 | $223,701 Land $51,000 Building $172,701 |
| 2024 | $1,919.00 (+3.12%) | ||
| 2023 | $1,861.00 (+1.58%) Homeowner's exemption | $143,168 (+3%) | $222,108 (+5.75%) Land $42,000 Building $180,108 |
| 2022 | $1,832.00 Homeowner's exemption | $138,998 | $210,032 Land $45,000 Building $165,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 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 21 Karat Path is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% 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.
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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