3 Zenger Ct, Palm Coast, FL 32164 Property Records

Flagler County property record for 3 Zenger Ct, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,013 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Apr 2023)
Tax Bill	$3,994 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7063-00360-0090`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7063-00360-0090`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,013 sqft Living Area
Gross Area	2,626 sqft
1st Floor Area	2,013 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
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	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 ZENGER CT
City	PALM COAST
State	FL
Zip	32164-5226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 63 BLOCK 00036 LOT 0009 SUBDIVISION COMPLETION YEAR 1981 OR 245 PG 179 OR 857 PG 1874 OR 937 PG 330 OR 1000 PG 1849 OR 1151 PG 755 OR 1288/768 OR 2036/1850
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	36
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1006
Census Tract	60207

Owner

3 Zenger Ct is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 ZENGER CT, PALM COAST, FL 32164-5226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 10, 2023	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
May 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2023 · Amount on File
Deed Sale	Apr 10, 2023 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	202314164
Deed Book / Page	2769 / 1659
Prior Transfer Date	Nov 17, 2014
Prior Transfer Doc	0020361850
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 10, 2023
Property Address	3 ZENGER CT, PALM COAST, FL 32164-5226
Document Number	0027691659
Book / Page	2769 / 1659
Map Reference	MB 18 PG 24-35
Instrument Date	Mar 29, 2023
Instrument	2023014164
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	373 CROSS RIDGE DR, PONTE VEDRA, FL 32081-8463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ZENGER CT, PALM COAST, FL 32164-5226

Mortgage

Document Number	0027691661
Date	Apr 10, 2023
Instrument	2769/1661

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 ZENGER CT, PALM COAST, FL 32164-5226
Document Number	0022801569
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	373 CROSS RIDGE DR PONTE VEDRA BEACH FL 320818463, PONTE VEDRA BEACH, FL 32081-8463

Mortgage

Document Number	0022801569
Date	May 22, 2018
Book Page	002280/001569
Instrument	18884

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 21, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3 Zenger Ct was $3,994 with a homeowner's exemption, down 2.6% from the year before.

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	$3,994.00 (-2.63%) Homeowner's exemption	$262,933 Land $49,500 Building $213,433	$262,933 Land $49,500 Building $213,433
2024	$4,102.00 (-5.31%)
2023	$4,332.00 (+4.92%)	$257,233 (+3.32%) Land $42,000 Building $215,233	$257,233 (+3.32%) Land $42,000 Building $215,233
2022	$4,129.00	$248,970 Land $45,000 Building $203,970	$248,970 Land $45,000 Building $203,970

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

Flood

FEMA maps place 3 Zenger Ct in Zone X, an area of minimal flood risk, though there have been 9 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 48 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	48 in force
Nearby Flood Claims	9 (2001–2022)
Claims Outside the SFHA	9 of 9
Most Recent Claim	Sep 2022 · Hurricane Ian

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 Zenger Ct is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 171 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

May also be available: Verizon.

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