3 Union Mill Pl, Palm Coast, FL 32164 Property Records

Flagler County property record for 3 Union Mill Pl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,014 sqft · built 2004
Lot Size	0.287 acres (12,502 sqft)
Owner	Owner Name on File
Last Sale	$152,100 (Dec 2004)
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00530-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00530-0120`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,014 sqft Heated Area
Gross Area	2,460 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,502 sqft (0.287 acres)
Driveway	Driveway
Driveway Area	480 sqft
Pool Area	1,440 sqft
Deck Area	1,089 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3 UNION MILL PL
City	PALM COAST
State	FL
Zip	32164-4408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SEC 57 BLK 53 LOT 12 OR 553 PG 1539 OR 752 PG 761 OR 766 PG 1152 OR 1044 PG 1924 OR 1051 PG 102 OR 1181 PG 329
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	53
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1015
Census Tract	60208

Owner

The current owner of 3 Union Mill Pl bought it in December 2004.

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

Owner of Record	Owner Name on File
Mailing Address	3 UNION MILL PL, PALM COAST, FL 32164-4408
Occupancy	Owner Occupied

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

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Dec 27, 2021	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2004 · Amount on File
Deed Sale	Dec 20, 2004 · Amount on File
Prior Sale	Mar 10, 2004 · Amount on File
Deed Document Number	2004070405
Deed Book / Page	1181 / 0329
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 UNION MILL PL, PALM COAST, FL 32164-4408
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 UNION MILL PL, PALM COAST, FL 32164-4408

Mortgage

Document Number	0030350958
Date	Mar 5, 2026
Book Page	3035/958
Instrument	2026009632

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	168 Months
Due	Mar 4, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 UNION MILL PL, PALM COAST, FL 32164-4408
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 UNION MILL PL, PALM COAST, FL 32164-4408

Mortgage

Document Number	0026410654
Date	Dec 27, 2021
Book Page	2641/654
Instrument	2021069941

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	169 Months
Due	Jan 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3 Union Mill Pl was $2,300 with a homeowner's exemption.

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	$2,300.00 Homeowner's exemption	$169,744	$304,472 Land $52,500 Building $251,972
2023	$2,175.00 (+1.35%) Homeowner's exemption	$160,155 (+3%)	$313,301 (+7.9%) Land $45,000 Building $268,301
2022	$2,146.00 Homeowner's exemption	$155,490	$290,356 Land $46,000 Building $244,356

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

Flood

FEMA maps place 3 Union Mill Pl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

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 35 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

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 3 Union Mill Pl is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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 197 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 and 4G LTE (outdoors only)

Nearby Properties on Union Mill Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures