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29 Ludlow Ln E, Palm Coast, FL 32137 Property Records

Flagler County property record for 29 Ludlow Ln E, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,832 sqft · built 2019
Lot Size0.232 acres (10,119 sqft)
Owner2 Individual Names on File
Last Sale$375,000 (Sep 2026)
Tax Bill$3,267 (2025)
Deeds & MortgagesSep 2026 Sale & Mortgage
Mar 2020 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7037-00090-0030

Property Details

APN / Parcel Number

Primary APN07-11-31-7037-00090-0030

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,832 sqft Living Area
Gross Area2,534 sqft
1st Floor Area1,832 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete Stucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,119 sqft (0.232 acres)
DrivewayConcrete Driveway
Driveway Area450 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address29 LUDLOW LN E
CityPALM COAST
StateFL
Zip32137-9597
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SECTION 37 BLOCK 00009 LOT 0003 SUBDIVISION COMPLETION YEAR 1981 OR 296 PG 879 OR 779 PG 1145 OR 1872/1893-DC OR 2087/1736- ACM OR 2087/1737 OR 2087/1737 OR 2245/1796 OR 2298/1726 OR 2336/1359 OR 2427/271
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block9
Legal Lot Number3
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group1
Census Block1004
Census Tract60216

Owner

29 Ludlow Ln E is owned and occupied by two individuals who bought it in September 2026.

Source: Flagler County records, as of October 13, 2026

Owner of Record2 Individual Names on File
Mailing Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Woman

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

DateDocument
Sep 30, 2026Warranty Deed, Transfer · Conventional Mortgage
BANK OF AMERICA
Mar 10, 2020Warranty Deed, Subdivision Related Transfer · Conventional with PMI
VYSTAR CU
Feb 20, 2019Warranty Deed, Transfer
Aug 13, 2018Warranty Deed, Transfer
ATTORNEY ONLY
Dec 7, 2017Warranty Deed, Transfer
AVIS TITLE INSURANCE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 30, 2026 · Amount on File
Deed SaleSep 30, 2026 · Amount on File
Prior SaleMar 10, 2020 · Amount on File
Deed Document Number202639679
Deed Book / Page3090 / 1481
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateSep 30, 2026
Property Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
Document Number0000039679
Book / Page3090 / 1481
Instrument DateSep 2, 2026
Instrument202639679
Transaction TypeTransfer
Record UpdatedOct 9, 2026
Title CompanyBLUE OCN TITLE, BLUE OCEAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$265,125.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
InvestorPossibly a Property Investor

Mortgage

Document Number0000039680,
DateSep 30, 2026
Instrument202639680
Lender
NameBANK OF AMERICA
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

March 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateMar 10, 2020
Property Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
Document Number0024270271
Book / Page002427 / 000271
Instrument DateMar 9, 2020
Instrument10050
Transaction TypeSubdivision Related Transfer
Record UpdatedMay 21, 2020
Title CompanyAVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,692.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address40 ISLAND LAKE LN NAPLES FL 341143959, NAPLES, FL 34114-3959

Mortgage

Document Number24270272
DateMar 10, 2020
Book Page002427/000272
Instrument10051
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32210
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueMar 9, 2050

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateFeb 20, 2019
Property Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
Document Number0023361359
Book / Page002336 / 001359
Instrument DateFeb 15, 2019
Instrument5945
Transaction TypeTransfer
Record UpdatedMar 1, 2019

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateAug 13, 2018
Property Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
Document Number0022981726
Book / Page002298 / 001726
Instrument DateAug 8, 2018
Instrument30101
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateDec 7, 2017
Property Address29 LUDLOW LN E, PALM COAST, FL 32137-9597
Document Number0022451796
Book / Page002245 / 001796
Instrument DateDec 1, 2017
Instrument42781
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyAVIS TITLE INSURANCE

Transaction

AmountAmount on Record
Tax$108.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 29 Ludlow Ln E was $3,267.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,267.00$222,917$315,468 Land $55,500 Building $259,968
2023$3,105.00 (+1.07%) Homeowner's exemption$210,325 (+3%)$307,199 (+2.36%) Land $46,500 Building $260,699
2022$3,072.00 Homeowner's exemption$204,199$300,105 Land $47,000 Building $253,105

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

Flood

FEMA maps place 29 Ludlow Ln E in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 70 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies70 in force

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 29 Ludlow Ln E 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 RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 37 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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