Flagler County property record for 3 Ethan Pl, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,229 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Aug 2024) |
| Tax Bill | $5,577 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jan 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7034-00930-0120 |
| Primary APN | 07-11-31-7034-00930-0120 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,229 sqft Living Area |
| Gross Area | 2,938 sqft |
| 1st Floor Area | 2,229 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2006 |
| 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 | 3 ETHAN PL |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-3210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 34 BL 93 LT 12 OR 278 PG 920 OR 649 PG 1178 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 93 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 60218 |
Source: Flagler County records, as of August 12, 2026
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 ETHAN PL, PALM COAST, FL 32164-3210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Line of Credit SUNCOAST CREDIT UNION |
| Jan 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jan 25, 2022 | Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2024 · Amount on Record |
| Deed Sale | Aug 30, 2024 · Amount on Record |
| Prior Sale | Apr 12, 1999 · Amount on Record |
| Deed Document Number | 202436957 |
| Deed Book / Page | 2897 / 71 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Document Number | 0000031019 |
| Book / Page | 3075 / 1416 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202631019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Document Number | 0000031019, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 3075/1416 |
| Instrument | 202631019 |
| Name | SUNCOAST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Document Number | 0030180485 |
|---|---|
| Date | Jan 2, 2026 |
| Book Page | 3018/485 |
| Instrument | 2026000154 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3 ETHAN PL, PALM COAST, FL 32164-3210 |
| Document Number | 0026510615 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | 2651/615 |
| Instrument | 2022004025 |
| Name | LONGBRIDGE FINANCIAL LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | MAHWAH, NJ 07495 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 945 Months |
| Due | Sep 30, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 7.37% |
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 | $5,577.00 (+198.39%) | $306,876 (+113.66%) Land $65,500 Building $241,376 | $306,876 (+4.72%) Land $65,500 Building $241,376 |
| 2023 | $1,869.00 (+2.3%) Homeowner's exemption | $143,626 (+3.51%) | $293,056 (+1.92%) Land $57,500 Building $235,556 |
| 2022 | $1,827.00 Homeowner's exemption | $138,760 | $287,522 Land $59,500 Building $228,022 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 111 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 111 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% 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 254 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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