34 Ludlow Ln E, Palm Coast, FL 32137 Property Records

Flagler County property record for 34 Ludlow Ln E, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,435 sqft · built 2005
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Owner Names on File
Last Sale	$185,000 (Aug 2005)
Tax Bill	$1,151 (2025)
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7037-00080-0190`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7037-00080-0190`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,435 sqft Heated Area
Gross Area	1,906 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Driveway	Driveway
Driveway Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	34 LUDLOW LN E
City	PALM COAST
State	FL
Zip	32137-9598
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 37 BLK 8 LOT 19 OR 313 PG 778, OR 533 PG 191 OR 805 PG 94 OR 1044 PG 1739 OR 1274 PG 1656 OR 1308 PG 1408
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	8
Legal Lot Number	19
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1000
Census Tract	60216

Owner

The current owner of 34 Ludlow Ln E bought it in August 2005.

Source: Flagler County records, as of December 22, 2025

Owner of Record	2 Owner Names on File
Mailing Address	34 LUDLOW LN E, PALM COAST, FL 32137-9598
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2005 · Amount on File
Deed Sale	Aug 29, 2005 · Amount on File
Prior Sale	Jun 30, 2005 · Amount on File
Deed Document Number	2005052235
Deed Book / Page	1308 / 1408
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 34 Ludlow Ln E was $1,151 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$1,151.00 Homeowner's exemption	$106,524	$200,865 Land $32,000 Building $168,865
2023	$1,070.00 (+2.49%) Homeowner's exemption	$100,507 (+3%)	$210,478 (+1.55%) Land $41,000 Building $169,478
2022	$1,044.00 Homeowner's exemption	$97,580	$207,267 Land $41,000 Building $166,267

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

Flood

FEMA maps place 34 Ludlow Ln E 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 Ludlow Ln E is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20