Flagler County property record for 31 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,424 sqft · built 2005 |
| Lot Size | 0.23 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Sep 2023) |
| Tax Bill | $3,473 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Sep 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00550-0390 |
| Primary APN | 07-11-31-7065-00550-0390 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,424 sqft Heated Area |
| Gross Area | 2,051 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,062 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 416 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 31 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00055 LOT 0039 SUBDIVISION COMPLETION YEAR 1983 OR 553 PG 1539 OR 790 PG 488 OR 1214 PG 1433 OR 1 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 55 |
| Legal Lot Number | 39 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 60208 |
31 Karat Path is owned and occupied by an individual who bought it in September 2023.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31 KARAT PATH, PALM COAST, FL 32164-5666 |
| 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 |
|---|---|
| Sep 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 11, 2018 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 20, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on File |
| Deed Sale | Sep 27, 2023 · Amount on File |
| Prior Sale | Feb 1, 2016 · Amount on File |
| Deed Document Number | 2023042147 |
| Deed Book / Page | 2814 / 1900 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 27, 2023 |
| Property Address | 31 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0028141900 |
| Book / Page | 2814 / 1900 |
| Map Reference | MB 17 PG 56-67 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 2023042147 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Title Company | PROFESSIONAL TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6 CANTERBURY WOODS, ORMOND BEACH, FL 32174-2450 |
| Name | Verified Name |
|---|---|
| Address | 31 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0028141902 |
|---|---|
| Date | Sep 27, 2023 |
| Instrument | 2814/1902 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Number | 0028141923 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 2814/1923 |
| Instrument | 2023042149 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 31 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023050781 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 2305/0781 |
| Instrument | 2018034451 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 31 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023991704 |
|---|---|
| Date | Nov 20, 2019 |
| Book Page | 2399/1704 |
| Instrument | 2019043258 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
The 2025 property tax bill for 31 Karat Path was $3,473 with a homeowner's exemption.
Source: Flagler County assessment roll, as of July 1, 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 | $3,473.00 Homeowner's exemption | $234,277 Land $51,000 Building $183,277 | $234,277 Land $51,000 Building $183,277 |
| 2023 | $1,698.00 (+1.68%) Homeowner's exemption | $134,397 (+3%) | $220,632 (+0.17%) Land $42,000 Building $178,632 |
| 2022 | $1,670.00 Homeowner's exemption | $130,482 | $220,258 Land $45,000 Building $175,258 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 31 Karat Path in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 58 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 4 (2001–2019) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Dec 2019 |
| 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 31 Karat Path is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 53 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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