Flagler County property record for 3 Freneau Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,425 sqft · built 1999 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jul 2021) |
| Tax Bill | $9,110 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7010-00280-0020 |
| Primary APN | 07-11-31-7010-00280-0020 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,425 sqft Living Area |
| Gross Area | 5,486 sqft |
| 1st Floor Area | 4,425 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 1,466 sqft |
| Pool Area | 312 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3 FRENEAU LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 10 BL 28 LOT 2 OR 200 PG 287 OR 526 PG 1644 OR 538 PG 1935 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 28 |
| Legal Lot Number | 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 60104 |
3 Freneau Ln is owned and occupied by an individual who bought it in July 2021.
Source: Flagler County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| 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.
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage DEEPHAVEN MORTGAGE LLC |
| Sep 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Jul 19, 2021 | Warranty Deed, Transfer · Balloon Mortgage RONNIE WILLIAMS |
| Oct 20, 2017 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2021 · Amount on File |
| Deed Sale | Jul 19, 2021 · Amount on File |
| Deed Document Number | 202139178 |
| Deed Book / Page | 2585 / 382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Document Number | 0030130207 |
|---|---|
| Date | Dec 11, 2025 |
| Book Page | 3013/207 |
| Instrument | 2025049930 |
| Name | DEEPHAVEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Document Number | 0027220821 |
|---|---|
| Date | Sep 15, 2022 |
| Book Page | 2722/821 |
| Instrument | 2022046354 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 19, 2021 |
| Property Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Document Number | 0025850382 |
| Book / Page | 2585 / 382 |
| Map Reference | MB 35 PG 528 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 2021039178 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | LAKE COUNTY ABSTRACT COMPANY, FLAGER COUNTY ABSTRACT CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 RED FOX PL, 4, PALM COAST, FL 32164-6663 |
| Name | Verified Name |
|---|---|
| Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Document Number | 2585383 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2585/383 |
| Name | RONNIE WILLIAMS |
|---|---|
| Type | Private Party |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 3 FRENEAU LN, PALM COAST, FL 32137-9204 |
| Document Number | 0022421260 |
| Book / Page | 002242 / 001260 |
| Instrument Date | Oct 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 FRENEAU LN PALM COAST FL 321379204, PALM COAST, FL 32137-9204 |
| Document Number | 0022421260 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 002242/001260 |
| Instrument | 40631 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 19, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3 Freneau Ln was $9,110 with a homeowner's exemption, down 23.3% from the year before.
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 | $9,110.00 (-23.26%) Homeowner's exemption | $544,417 Land $70,000 Building $474,417 | $544,417 Land $70,000 Building $474,417 |
| 2024 | $11,872.00 (+1.64%) | ||
| 2023 | $11,681.00 (+30.22%) Homeowner's exemption | $528,173 (+2.73%) Land $60,000 Building $468,173 | $528,173 (+2.73%) Land $60,000 Building $468,173 |
| 2022 | $8,970.00 Homeowner's exemption | $514,132 Land $62,500 Building $451,632 | $514,132 Land $62,500 Building $451,632 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Freneau Ln in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2001.
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 File median of 126 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 126 in force |
| Nearby Flood Claims | 12 (2001–2022) |
| Claims Outside the SFHA | 10 of 12 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Wildfire risk around 3 Freneau Ln 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 99.1% of the US · lower than 98.7% 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.
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 354 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 |
| AT&T DSL | 100 / 20 |
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