3 Christopher Ct, Palm Coast, FL 32137 Property Records

Flagler County property record for 3 Christopher Ct, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,018 sqft · built 1986
Lot Size	0.231 acres (10,054 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Dec 2020)
Tax Bill	$4,508 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7004-00030-0050`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7004-00030-0050`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,018 sqft Living Area
Gross Area	2,748 sqft
1st Floor Area	2,018 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1991
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,054 sqft (0.231 acres)
Lot Width	80 ft Width
Driveway	Concrete Driveway
Driveway Area	480 sqft
Pool Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 CHRISTOPHER CT
City	PALM COAST
State	FL
Zip	32137-8365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 4 BL 3 LOT 5 OR 114 PG 472 OR 378 PG 629 OR 549 PG 1348 OR 549 PG 1856(DC) OR 550 PG 950(ACM) OR 684 PG 1690 OR 944 PG 1674-PANTALEON TRUST
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	3
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1007
Census Tract	60105

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 CHRISTOPHER CT, PALM COAST, FL 32137-8365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jun 17, 2003 · Amount on Record
Deed Document Number	202051870
Deed Book / Page	2504 / 802
Prior Transfer Date	Aug 20, 2009
Prior Transfer Doc	0017391088
Record Updated	Jun 8, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 11, 2020
Property Address	3 CHRISTOPHER CT, PALM COAST, FL 32137-8365
Document Number	0025040802
Book / Page	2504 / 802
Map Reference	MB 6 PG 10
Instrument Date	Dec 3, 2020
Instrument	2020051870
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8056 SANDPOINT BLVD, 8056, ORLANDO, FL 32819-7204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CHRISTOPHER CT, PALM COAST, FL 32137-8365

Mortgage

Document Number	0002504804
Date	Dec 11, 2020
Instrument	2504/804

Lender

Name	HOMESTAR FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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	$4,508.00 (+2.43%) Homeowner's exemption Veteran's exemption	$296,237 (+7.63%)	$433,151 (+0.42%) Land $183,000 Building $250,151
2024	$4,401.00 (+4.41%)
2023	$4,215.00 (+0.93%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$275,231 (+3%)	$431,351 (+1.08%) Land $183,000 Building $248,351
2022	$4,176.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,215	$426,729 Land $183,300 Building $243,429

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 318 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	522 units insured incl. 204 condo units
Nearby Flood Claims	7 (2001–2024)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Oct 2024 · Hurricane Milton

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20