27 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 27 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,003 sqft · built 2002
Lot Size	0.491 acres (21,388 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Jan 2018)
Tax Bill	$7,688 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-0470`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-0470`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,003 sqft Living Area
Gross Area	4,115 sqft
1st Floor Area	3,003 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2009
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,388 sqft (0.491 acres)
Lot Width	70 ft Width
Driveway	Concrete Driveway
Driveway Area	400 sqft
Pool Area	228 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	27 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 47 OR 575 PG 704 OR 614/658 OR 1848/1903-DC OR 1848/1907-RULAND TRUST OR 1874/851-DC OR 1939/1210 OR 2025/830 OR 2133/329 OR 2256/76
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	47
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

27 Front St is owned and occupied by two individuals who bought it in January 2018.

Source: Flagler County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	27 FRONT ST, PALM COAST, FL 32137-1454
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Deed of Trust, Mortgage READYCAP LNDG
Jan 29, 2018	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2018 · Amount on File
Deed Sale	Jan 29, 2018 · Amount on File
Prior Sale	Sep 22, 2014 · Amount on File
Deed Document Number	20183469
Deed Book / Page	2256 / 76
Prior Transfer Date	Apr 21, 2016
Prior Transfer Doc	0021330329
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	27 FRONT ST, PALM COAST, FL 32137-1454
Document Number	0024620677
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 FRONT ST PALM COAST FL 321371454, PALM COAST, FL 32137-1454

Mortgage

Document Number	0024620677
Date	Jul 29, 2020
Book Page	002462/000677
Instrument	28948

Lender

Name	READYCAP LNDG
Address	BERKELEY HEIGHTS, NJ 07922

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 28, 2030

Interest

Rate	2.75%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 29, 2018
Property Address	27 FRONT ST, PALM COAST, FL 32137-1454
Document Number	0022560076
Book / Page	002256 / 000076
Instrument Date	Jan 26, 2018
Instrument	3469
Transaction Type	Transfer
Record Updated	Aug 30, 2018
Title Company	MERIDIAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,830.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5576 HIGH FLYER RD N PALM BEACH GARDENS FL 334187715, PALM BEACH GARDENS, FL 33418-7715

Mortgage

Document Number	22560078
Date	Jan 29, 2018
Book Page	002256/000078
Instrument	3470

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 27 Front St was $7,688 with a homeowner's exemption, down 26.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$7,688.00 (-26.42%) Homeowner's exemption	$466,160	$720,849 Land $273,000 Building $447,849
2024	$10,449.00 (+3.6%)
2023	$10,086.00 (+3.67%) Homeowner's exemption	$439,827 (+3%)	$747,316 (+16.09%) Land $273,000 Building $474,316
2022	$9,729.00 Homeowner's exemption	$427,016	$643,741 Land $261,450 Building $382,291

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

Flood

FEMA maps place 27 Front St 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 27 Front St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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.

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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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