3 Pine Bluff Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 3 Pine Bluff Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,093 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Owner Names on Record
Last Sale	$153,200 (Jan 2004)
Tax Bill	$1,778 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2024 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7026-00520-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7026-00520-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,093 sqft Heated Area
Gross Area	2,724 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2009
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3 PINE BLUFF LN
City	PALM COAST
State	FL
Zip	32164-4842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 26 BL 52 LT 2 OR 278 PG 87 OR 354 PG 101 OR 553 PG 1539 OR 643 PG 1039 OR 883 PG 1997 OR 1027 PG 490
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	52
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1024
Census Tract	60213

Owner

Source: Flagler County records, as of December 22, 2025

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

Owner of Record	2 Owner Names on Record
Mailing Address	3 PINE BLUFF LN, PALM COAST, FL 32164-4842
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 30, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2004 · Amount on Record
Deed Sale	Jan 2, 2004 · Amount on Record
Prior Sale	Jan 8, 2003 · Amount on Record
Deed Document Number	0102700490
Deed Book / Page	01027 / 00490
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 PINE BLUFF LN, PALM COAST, FL 32164-4842
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PINE BLUFF LN, PALM COAST, FL 32164-4842

Mortgage

Document Number	0025520025
Date	Apr 16, 2021
Book Page	2552/25
Instrument	2021020905

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 PINE BLUFF LN, PALM COAST, FL 32164-4842
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 PINE BLUFF LN, PALM COAST, FL 32164-4842

Mortgage

Document Number	0028730386
Date	May 30, 2024
Book Page	2873/386
Instrument	2024022581

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 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	$1,778.00 (+6.59%) Homeowner's exemption Disabled Person's exemption	$146,010 (+5.99%)	$273,784 (+0.57%) Land $53,000 Building $220,784
2023	$1,668.00 (-3.14%) Homeowner's exemption Disabled Person's exemption	$137,762 (+3%)	$272,232 (+3.82%) Land $42,000 Building $230,232
2022	$1,722.00 Homeowner's exemption Disabled Person's exemption	$133,750	$262,209 Land $44,000 Building $218,209

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 75 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	75 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% 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.

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 403 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
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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