36 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 36 Universal Trl, Palm Coast, FL 32164 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,639 sqft · built 2019
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$344,500 (Sep 2023)
Tax Bill	$4,498 (2025)
Deeds & Mortgages	May 2024 Reverse Mortgage Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00410-0030`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00410-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,639 sqft Heated Area
Gross Area	2,441 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Driveway	Driveway
Driveway Area	729 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	36 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 57 BLK 41 LOT 3 OR 445 PG 1176 OR 1017 PG 198 OR 1017/200 OR 2260/476 OR 2362/1469
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	41
Legal Lot Number	3
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1015
Census Tract	60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00410-0030

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2024	Deed of Trust, Mortgage · Reverse Mortgage MOVEMENT MORTGAGE
Sep 14, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 17, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage SHELTER MORTGAGE COMPANY LLC
Feb 19, 2018	Loan Modification, Mortgage FIFTH THIRD BK
Feb 19, 2018	Warranty Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Prior Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	2023040484
Deed Book / Page	2812 / 887
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703

Mortgage

Document Number	0028721342
Date	May 29, 2024
Book Page	2872/1342
Instrument	2024022317

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	942 Months
Due	Nov 04, 2102

Interest

Rate Type	Adjustable Rate
Rate	7.43%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2024
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 14, 2023
Property Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0028120887
Book / Page	2812 / 887
Map Reference	MB 17 PG 12-28
Instrument Date	Sep 13, 2023
Instrument	2023040484
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	PIONEER TITLE COMPANY, PIONEER TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,411.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1405, FLAGLER BEACH, FL 32136-1405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703

Mortgage

Document Number	0002812889
Date	Sep 14, 2023
Instrument	2812/889

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 17, 2019
Property Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0023621469
Book / Page	2362 / 1469
Map Reference	MB 17 PG 12-28
Instrument Date	Jun 14, 2019
Instrument	2019021924
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 22, 2022
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,565.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, 2293, MELBOURNE, FL 32935-3184

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703

Mortgage

Document Number	0023621471
Date	Jun 17, 2019
Instrument	2362-1471

Lender

Name	SHELTER MORTGAGE COMPANY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Recording Date	Feb 19, 2018
Property Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0022600478
Book / Page	002260 / 000478
Instrument Date	Feb 15, 2018
Instrument	5998
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	HB TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Mortgage

Document Number	22600478
Date	Feb 19, 2018
Book Page	002260/000478
Instrument	5998

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	199 E MONTGOMERY AVE, ROCKVILLE, MD 20850-2381

Agreement

Amount	Amount Recorded

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 19, 2018
Property Address	36 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0022600476
Book / Page	002260 / 000476
Instrument Date	Feb 07, 2018
Instrument	5997
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	HB TITLE INC

Transaction

Amount	Amount Recorded
Tax	$126.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2293 W EAU GALLIE BLVD MELBOURNE FL 329353184, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,498.00 (+75.43%) Homeowner's exemption	$290,689 (+60.51%) Land $52,000 Building $238,689	$290,689 (-1.79%) Land $52,000 Building $238,689
2023	$2,564.00 (+1.22%) Homeowner's exemption	$181,106 (+3%)	$295,984 (+2.28%) Land $44,500 Building $251,484
2022	$2,533.00 Homeowner's exemption	$175,831	$289,380 Land $45,500 Building $243,880

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2023, rainfall accumulation
Claims By Storm	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 25% of Florida
Wildfire Likelihood	About 1 in 769 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 197 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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