Flagler County property record for 37 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,814 sqft · built 2005 |
| Lot Size | 0.231 acres (10,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Oct 2024) |
| Tax Bill | $1,946 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Mar 2024 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00550-0420 |
| Primary APN | 07-11-31-7065-00550-0420 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,814 sqft Living Area |
| Gross Area | 2,618 sqft |
| 1st Floor Area | 1,814 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,062 sqft (0.231 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 550 sqft |
| Patio Area | 91 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 37 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00055 LOT 0042 SUBDIVISION OR 553 PG 1539 OR 790 PG 488 OR 1206/1719 OR 2023/1428 OR 2035/68-CD OR 2038/1323 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 55 |
| Legal Lot Number | 42 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 60208 |
37 Karat Path is owned and occupied by an individual who bought it in October 2024.
Source: Flagler County records, as of January 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 22, 2025 | Deed of Trust, Mortgage · Line of Credit GTE FCU |
| Mar 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPACE COAST CU |
| May 18, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2024 · Amount on File |
| Deed Sale | Oct 31, 2024 · Amount on File |
| Prior Sale | May 18, 2022 · Amount on File |
| Deed Document Number | 202445869 |
| Deed Book / Page | 2912 / 161 |
| Prior Transfer Date | Apr 20, 2022 |
| Prior Transfer Doc | 0026880999 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0030081044 |
|---|---|
| Date | Nov 22, 2025 |
| Book Page | 3008/1044 |
| Instrument | 2025047533 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0028560648 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | 2856/648 |
| Instrument | 2024012213 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 25, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 18, 2022 |
| Property Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0026880999 |
| Book / Page | 2688 / 999 |
| Map Reference | MB 17 PG 56-67 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 2022025747 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 37 KARAT PATH, PALM COAST, FL 32164-5666 |
| Document Number | 0026881001 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 2688/1001 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 37 Karat Path was $1,946, up 36.9% from the year before.
Source: Flagler County assessment roll, as of December 8, 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 | $1,946.00 (+36.95%) | $155,265 | $259,890 Land $51,000 Building $208,890 |
| 2024 | $1,421.00 (+5.1%) | ||
| 2023 | $1,352.00 (-30.74%) Homeowner's exemption Additional exemption filed | $149,673 (+3%) | $262,297 (+6.05%) Land $42,000 Building $220,297 |
| 2022 | $1,952.00 Homeowner's exemption | $145,314 | $247,322 Land $45,000 Building $202,322 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 37 Karat Path 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 58 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 4 (2001–2019) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Dec 2019 |
| 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.
Wildfire risk around 37 Karat Path is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 53 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 |
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