Flagler County property record for 32 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,267 sqft · built 2006 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,000 (Nov 2014) |
| Tax Bill | $2,213 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00570-0110 |
| Primary APN | 07-11-31-7065-00570-0110 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,267 sqft Heated Area |
| Gross Area | 3,002 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 400 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 32 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00057 LOT 0011 SUBDIVISION COMPLETION YEAR 1983 OR 553 PG 1539 OR 790 PG 488 OR 1142 PG 1546 OR 1 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 57 |
| Legal Lot Number | 11 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 60208 |
32 Karat Path is owned and occupied by an individual who bought it in November 2014.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 32 KARAT PATH, PALM COAST, FL 32164-5670 |
| 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 |
|---|---|
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 7, 2014 · Amount on File |
| Deed Sale | Nov 7, 2014 · Amount on File |
| Prior Sale | Jan 22, 2014 |
| Deed Document Number | 2014034221 |
| Deed Book / Page | 2033 / 1019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 32 KARAT PATH, PALM COAST, FL 32164-5670 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | ACTION TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 32 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Number | 0026211219 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | 2621/1219 |
| Instrument | 2021059332 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 32 KARAT PATH, PALM COAST, FL 32164-5670 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023150525 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 2315/0525 |
| Instrument | 2018040803 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 32 KARAT PATH, PALM COAST, FL 32164-5670 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0024670845 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 2467/845 |
| Instrument | 2020031600 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 32 Karat Path was $2,213 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 | $2,213.00 Homeowner's exemption | $164,917 | $297,886 Land $51,000 Building $246,886 |
| 2023 | $2,091.00 (+1.46%) Homeowner's exemption | $155,601 (+3%) | $302,156 (+1.67%) Land $42,000 Building $260,156 |
| 2022 | $2,061.00 Homeowner's exemption | $151,069 | $297,192 Land $45,000 Building $252,192 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 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 32 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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