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31 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 31 Universal Trl, Palm Coast, FL 32164 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,044 sqft · built 2005
Lot Size0.312 acres (13,634 sqft)
OwnerIndividual Name on File
Last Sale$225,900 (Oct 2018)
Tax Bill$2,730 (2023)
Deeds & MortgagesNov 2020 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-11-31-7057-00400-0100

Property Details

APN / Parcel Number

Primary APN07-11-31-7057-00400-0100

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,044 sqft Heated Area
Gross Area2,773 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2010
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,634 sqft (0.312 acres)
DrivewayDriveway
Driveway Area448 sqft
PorchEnclosed Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address31 UNIVERSAL TRL
CityPALM COAST
StateFL
Zip32164-5712
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 57 BLK 40 LOT 10 OR 132 PG 150 OR 495 PG 737-DC OR 495 OR 736-ACM OR 562 PG 934 OR 863 PG 316 OR 2309/657
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block40
Legal Lot Number10
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group1
Census Block1017
Census Tract60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00400-0100

Assessment roll updated July 1, 2025 · Last verified January 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address31 UNIVERSAL TRAIL
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 06, 2020Deed of Trust, Mortgage · VA Mortgage
USAA FSB
Oct 02, 2018Warranty Deed, Transfer · VA Mortgage
CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 02, 2018 · Amount on Record
Deed SaleOct 02, 2018 · Amount on Record
Prior SaleNov 07, 2002 · Amount on Record
Deed Document Number2018036833
Deed Book / Page2309 / 0657
Record UpdatedJun 08, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address31 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyBOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0024930644
DateNov 06, 2020
Book Page2493/644
Instrument2020046065
Lender
NameUSAA FSB
TypeBank
AddressSAN ANTONIO, TX 78288
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateOct 02, 2018
Property Address31 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number0023090657
Book / Page2309 / 0657
Map ReferenceMB17 PG12-28
Instrument DateOct 01, 2018
Instrument2018036833
Transaction TypeTransfer
Record UpdatedFeb 22, 2022
Title CompanyAMERICAN CHOICE TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,581.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address32 WELLS PARK RD, 32, STURBRIDGE, MA 01566-1316

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number2018036836
DateOct 02, 2018
Instrument2018036836
Lender
NameCHERRY CREEK MORTGAGE CO INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2048

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025Homeowner's exemption Disabled Person's exemption Veteran's exemption$206,740 (+5.99%)$273,334 (+3.03%) Land $52,000 Building $221,334
2023$2,730.00 (+1.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$195,061 (+3%)$265,301 (+1.15%) Land $44,500 Building $220,801
2022$2,695.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$189,379$262,288 Land $45,500 Building $216,788

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 35 individual NFIP policies nearby
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims6 (2009–2023)
Claims Outside the SFHA6 of 6
Most Recent ClaimOct 2023, rainfall accumulation
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

Wildfire

Wildfire RiskModerate
above 54% of the US · above 25% of Florida
Wildfire LikelihoodAbout 1 in 769 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 197 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
SpectrumCable1,000 / 1,000
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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