34 Lagoon Way, Palm Coast, FL 32137 Property Records

Flagler County property record for 34 Lagoon Way, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,633 sqft · built 2023
Lot Size	0.145 acres (6,316 sqft)
Owner	2 Company Names on File
Last Sale	$389,200 (May 2023)
Tax Bill	$5,620 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`27-10-30-4260-00000-0580`

Property Details

APN / Parcel Number

Primary APN	`27-10-30-4260-00000-0580`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,633 sqft Living Area
1st Floor Area	1,633 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,316 sqft (0.145 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	34 LAGOON WAY
City	PALM COAST
State	FL
Zip	32137-9611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	MATANZAS LAKES S/D MB 39 PG 32 LOT 58
Legal Range	30E
Legal Township	10S
Legal Section	27
Legal Subdivision	MATANZAS LAKES
Legal Lot Number	58
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1007
Census Tract	60216

Owner

34 Lagoon Way is owned by a company that acquired it in August 2023.

Source: Flagler County records, as of June 9, 2026

Owner of Record	2 Company Names on File
Mailing Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Owner Type	Company
Vesting	Life Tenant

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
Jul 10, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE DIRECT LLC
Jul 10, 2026	Guardian's Deed, Transfer PREMIER TITLE COMPANY, PREMIER TITLE
Sep 5, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 15, 2023	Warranty Deed, Subdivision Related Transfer AVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC
Feb 22, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2023 · Amount on File
Deed Sale	May 15, 2023 · Amount on File
Deed Document Number	202320834
Deed Book / Page	2780 / 1087
Last Transfer Date	Aug 31, 2023
Transfer Doc	0028090893
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 10, 2026
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Document Number	0000027758
Book / Page	3069 / 1174
Instrument Date	Jun 5, 2026
Instrument	202627758
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Percentage Unclear

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

Mortgage

Document Number	0000027759,
Date	Jul 10, 2026
Instrument	202627759

Lender

Name	MORTGAGE DIRECT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Guardian's Deed, Transfer

Document Type	Guardian's Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 10, 2026
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Document Number	0000027757
Book / Page	3069 / 1172
Instrument Date	Jun 5, 2026
Instrument	202627757
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Sep 5, 2023
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Document Number	0028090893
Book / Page	2809 / 893
Map Reference	MB 39 PG 32-35
Instrument Date	Aug 31, 2023
Instrument	2023038564
Transaction Type	Transfer
Record Updated	Sep 18, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

Mortgage

Document Number	0027990799
Date	Jul 26, 2023
Book Page	2799/799
Instrument	2023032039

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 15, 2023
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Document Number	0027801087
Book / Page	2780 / 1087
Map Reference	MB 39 PG 32-35
Instrument Date	May 8, 2023
Instrument	2023020834
Transaction Type	Subdivision Related Transfer
Record Updated	May 26, 2023
Title Company	AVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Tax	$2,724.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # PKWY7, PKWY7, PALM COAST, FL 32164-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 LAGOON WAY, PALM COAST, FL 32137-9611

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 22, 2022
Property Address	34 LAGOON WAY, PALM COAST, FL 32137-9611
Document Number	0026601294
Book / Page	2660 / 1294
Map Reference	MB 39 PG 32-35
Instrument Date	Feb 22, 2022
Instrument	2022009406
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # PKWY7, 185, PALM COAST, FL 32164-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # 7, 7, PALM COAST, FL 32164-8407
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 34 Lagoon Way was $5,620, down 0.9% 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	$5,620.00 (-0.86%)	$309,249 Land $57,500 Building $251,749	$309,249 Land $57,500 Building $251,749
2024	$5,669.00 (+894.56%)
2023	$570.00 (+1.79%)	$57,000 (-) Land $57,000	$57,000 (-) Land $57,000
2022	$560.00	$57,000 Land $57,000	$57,000 Land $57,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 34 Lagoon Way in Zone X, an area of minimal flood risk.

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 70 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	70 in force

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 34 Lagoon Way is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 393 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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