Flagler County property record for 24 Central Pl, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,579 sqft · built 2021 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $48,000 (Dec 2018) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2026 Line of Credit + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7014-00030-0120 |
| Primary APN | 07-11-31-7014-00030-0120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,579 sqft Living Area |
| 1st Floor Area | 2,579 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 13,024 sqft (0.299 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 24 CENTRAL PL |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8944 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 14 BLOCK 00003 LOT 0012 SUBDIVISION COMPLETION YEAR 1978 OR 435 PG 1937 OR 2221/684 OR 2323/668 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 60105 |
Source: Flagler County records, as of August 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC |
| May 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ASPIRE BANK |
| Dec 7, 2018 | Warranty Deed, Transfer · Conventional with PMI LESZEK & BOZENA A RYBSKI |
| Aug 1, 2017 | Warranty Deed, Transfer PROFESSIONAL TITLE, PROFESSIONAL TITLE AGENCY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2018 · Amount on Record |
| Deed Sale | Dec 7, 2018 · Amount on Record |
| Prior Sale | Aug 1, 2017 · Amount on Record |
| Deed Document Number | 201845614 |
| Deed Book / Page | 2323 / 668 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 21, 2026 |
| Property Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0000029448 |
| Book / Page | 3072 / 1244 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202629448 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0000029448, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 3072/1244 |
| Instrument | 202629448 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0030361197 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 3036/1197 |
| Instrument | 2026010158 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Title Company | NOT AVAILABLE, AGENTS CHOICE TITLE |
| Name | Verified Name |
|---|---|
| Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0025661113 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 2566/1113 |
| Instrument | 2021028988 |
| Name | ASPIRE BANK |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75244 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 7, 2018 |
| Property Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0023230668 |
| Book / Page | 002323 / 000668 |
| Instrument Date | Dec 3, 2018 |
| Instrument | 45614 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | AGENT'S CHOICE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $336.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 RIVERVIEW BND N #213 PALM COAST FL 321376568, 213, PALM COAST, FL 32137-6568 |
| Document Number | 23230669 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 002323/000669 |
| Instrument | 45615 |
| Name | LESZEK & BOZENA A RYBSKI |
|---|---|
| Address | 4 CONCORD PL, PALM COAST, FL 32137-8941 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 6, 2023 |
| Rate | 3% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 1, 2017 |
| Property Address | 24 CENTRAL PL, PALM COAST, FL 32137-8944 |
| Document Number | 0022210684 |
| Book / Page | 002221 / 000684 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 26768 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2017 |
| Title Company | PROFESSIONAL TITLE, PROFESSIONAL TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $313.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 OGDEN MDW MENDHAM NJ 07945, MENDHAM, NJ 07945 |
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 | Homeowner's exemption Veteran's exemption | $587,065 (+4.09%) Land $68,000 Building $519,065 | $587,065 (+4.09%) Land $68,000 Building $519,065 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $563,988 Land $60,000 Building $503,988 | $563,988 Land $60,000 Building $503,988 |
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 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 392 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 418 units insured incl. 26 condo units |
| Nearby Flood Claims | 35 (1987–2022) |
| Claims Outside the SFHA | 22 of 35 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| 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 | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 284 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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