35 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 35 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,454 sqft · built 2001
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Apr 2019)
Tax Bill	$9,989 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-0510`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-0510`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,454 sqft Living Area
Gross Area	3,336 sqft
1st Floor Area	2,454 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2003
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	21,344 sqft (0.49 acres)
Lot Width	70 ft Width
Driveway	Brick Driveway
Driveway Area	400 sqft
Pool Area	210 sqft
Deck Area	654 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	35 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 51 OR 675 PG 1331 OR 2349/1113
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	51
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

35 Front St is owned and occupied by two individuals who acquired it in September 2022.

Source: Flagler County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35 FRONT ST, PALM COAST, FL 32137-1454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Sep 21, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST WESTERN TRUST BANK
Apr 22, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST WESTERN TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2019 · Amount on File
Deed Sale	Apr 22, 2019 · Amount on File
Prior Sale	Nov 29, 1999 · Amount on File
Deed Document Number	201913847
Deed Book / Page	2349 / 1113
Last Transfer Date	Sep 20, 2022
Transfer Doc	0027231368
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	35 FRONT ST, PALM COAST, FL 32137-1454
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 FRONT ST, PALM COAST, FL 32137-1454

Mortgage

Document Number	0027710034
Date	Apr 13, 2023
Book Page	2771/34
Instrument	2023014861

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 25, 2053

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Sep 21, 2022
Property Address	35 FRONT ST, PALM COAST, FL 32137-1454
Document Number	0027231368
Book / Page	2723 / 1368
Map Reference	MB 30 PG 87
Instrument Date	Sep 20, 2022
Instrument	2022047084
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	35 FRONT ST, 35, PALM COAST, FL 32137-1454

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 WALTON PL, PALM COAST, FL 32164-7661

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	35 FRONT ST, PALM COAST, FL 32137-1454
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 FRONT ST, PALM COAST, FL 32137-1454

Mortgage

Document Number	0025050905
Date	Dec 15, 2020
Book Page	2505/905
Instrument	2020052355

Lender

Name	FIRST WESTERN TRUST BANK
Type	Bank
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 22, 2019
Property Address	35 FRONT ST, PALM COAST, FL 32137-1454
Document Number	0023491113
Book / Page	2349 / 1113
Map Reference	MB 30 PG 87-88
Instrument Date	Apr 11, 2019
Instrument	2019013847
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	MERIDIAN TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1328 RIVER OAKS RD, 1328, JACKSONVILLE, FL 32207-4116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5942 NICKLAUS DR, FORT COLLINS, CO 80528-8853

Mortgage

Document Number	2019013848
Date	Apr 22, 2019
Instrument	2019013848

Lender

Name	FIRST WESTERN TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 35 Front St was $9,989 with a homeowner's exemption, down 21.4% 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	$9,989.00 (-21.37%) Homeowner's exemption	$592,776	$696,864 Land $273,000 Building $423,864
2024	$12,704.00 (+3.28%)
2023	$12,300.00 (+3.04%) Homeowner's exemption	$559,291 (+3%)	$711,751 (+14.12%) Land $273,000 Building $438,751
2022	$11,937.00 Homeowner's exemption	$543,001	$623,692 Land $261,450 Building $362,242

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

Flood

FEMA maps place 35 Front St 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 35 Front St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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