Flagler County property record for 33 Patchogue Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,712 sqft · built 2008 |
| Lot Size | 0.23 acres (10,062 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,170 (Oct 2021) |
| Tax Bill | $5,359 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Dec 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7025-00660-0220 |
| Primary APN | 07-11-31-7025-00660-0220 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,712 sqft Heated Area |
| Gross Area | 3,530 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,062 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 450 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 33 PATCHOGUE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-7557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 25 BLOCK 00066 LOT 0022 SUBDIVISION COMPLETION YEAR 1975 OR 408 PG 320 OR 1013 PG 501-DC OR 1013 PG 502-DC |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 66 |
| Legal Lot Number | 22 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 60212 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2021 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 5, 2018 | Deed of Trust, Mortgage GULF STATES CAPITAL |
| Sep 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage KRISTOPHER E FERNANDEZ |
| Jan 16, 2018 | Loan Modification, Mortgage · Conventional Mortgage NEIL PAULSON |
| Jan 9, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEIL PAULSON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 26, 2021 · Amount on Record |
| Deed Sale | Oct 26, 2021 · Amount on Record |
| Prior Sale | Jul 17, 2008 · Amount on Record |
| Deed Document Number | 2021059074 |
| Deed Book / Page | 2621 / 300 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 26, 2021 |
| Property Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Document Number | 0026210300 |
| Book / Page | 2621 / 300 |
| Map Reference | MB 9 PG 16 |
| Instrument Date | Oct 22, 2021 |
| Instrument | 2021059074 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Title Company | HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,444.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 33 PATCHOGUE LN, 33, PALM COAST, FL 32164-7557 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Document Number | 2621302 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 2621/302 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023221337 |
|---|---|
| Date | Dec 5, 2018 |
| Book Page | 2322/1337 |
| Instrument | 2018045204 |
| Name | GULF STATES CAPITAL |
|---|---|
| Type | Non-Lending Institution |
| Address | ABILENE, TX 79606 |
| Amount | Amount Recorded |
|---|---|
| Term | 1 Months |
| Due | Jan 3, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Document Number | 0023850876 |
| Instrument Date | Sep 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 33 PATCHOGUE LN PALM COAST FL 321647557, PALM COAST, FL 32164-7557 |
| Document Number | 0023850876 |
|---|---|
| Date | Sep 23, 2019 |
| Book Page | 002385/000876 |
| Instrument | 35007 |
| Name | KRISTOPHER E FERNANDEZ |
|---|---|
| Address | 114 S FREMONT AVE, TAMPA, FL 33606-1703 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 22, 2049 |
| Rate | 10% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Document Number | 0022591238 |
| Book / Page | 002259 / 001238 |
| Instrument Date | Jan 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 33 PATCHOGUE LN PALM COAST FL 321647557, PALM COAST, FL 32164-7557 |
| Document Number | 0022591238 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | 002259/001238 |
| Instrument | 5603 |
| Name | NEIL PAULSON |
|---|---|
| Address | 1613 E LIVINGSTON ST # 202, ORLANDO, FL 32803-5518 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 13, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 33 PATCHOGUE LN, PALM COAST, FL 32164-7557 |
| Document Number | 0021820874 |
| Book / Page | 002182 / 000874 |
| Instrument Date | Jan 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 33 PATCHOGUE LN PALM COAST FL 321647557, PALM COAST, FL 32164-7557 |
| Document Number | 0021820874 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 002182/000874 |
| Instrument | 2568 |
| Name | NEIL PAULSON |
|---|---|
| Address | 1613 E LIVINGSTON ST, ORLANDO, FL 32803-5518 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 19, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 12% |
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 | $5,359.00 (-15.17%) Homeowner's exemption | $338,059 (-0.86%) Land $52,000 Building $286,059 | $338,059 (-0.86%) Land $52,000 Building $286,059 |
| 2023 | $6,317.00 (-0.14%) | $341,005 (+2.57%) Land $42,500 Building $298,505 | $341,005 (+2.57%) Land $42,500 Building $298,505 |
| 2022 | $6,326.00 | $332,469 Land $43,000 Building $289,469 | $332,469 Land $43,000 Building $289,469 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 56 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 7 (2007–2024) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 394 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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