38 Biscayne Dr, Palm Coast, FL 32137 Property Records

Flagler County property record for 38 Biscayne Dr, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 2003
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$146,900 (Apr 2004)
Tax Bill	$1,425 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7035-01110-0130`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7035-01110-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Heated Area
Gross Area	2,126 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2015
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	10,454 sqft (0.239 acres)
Driveway	Driveway
Driveway Area	425 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	38 BISCAYNE DR
City	PALM COAST
State	FL
Zip	32137-9304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 35 BLOCK 00111 LOT 0013 SUBDIVISION COMPLETION YEAR 1981 OR 223 PG 632 OR 855 PG 639 OR 900 PG 1986-CD OR
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	111
Legal Lot Number	13
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1000
Census Tract	60215

Owner

38 Biscayne Dr is owned and occupied by an individual who bought it in April 2004.

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

Owner of Record	Individual Name on File
Mailing Address	38 BISCAYNE DR, PALM COAST, FL 32137-9304
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Apr 1, 2004 · Amount on File
Deed Sale	Apr 1, 2004 · Amount on File
Prior Sale	Oct 4, 2002 · Amount on File
Deed Document Number	0010671406
Prior Transfer Date	Feb 26, 2003
Prior Transfer Doc	0090001986
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	38 BISCAYNE DR, PALM COAST, FL 32137-9304
Transaction Type	Mortgage
Record Updated	Feb 22, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BISCAYNE DR, PALM COAST, FL 32137-9304

Mortgage

Document Number	0025100777
Date	Dec 30, 2020
Book Page	2510/777
Instrument	2020054953

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 38 Biscayne Dr was $1,425 with exemptions applied.

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	$1,425.00 Homeowner's exemption Widower's exemption	$126,607	$259,669 Land $45,000 Building $214,669
2023	$1,329.00 (-3.97%) Homeowner's exemption Widower's exemption	$119,455 (+3%)	$264,747 (+3.24%) Land $38,500 Building $226,247
2022	$1,384.00 Homeowner's exemption Widower's exemption	$115,976	$256,445 Land $37,000 Building $219,445

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

Flood

FEMA maps place 38 Biscayne Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 52 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	52 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Hurricane Debby

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 38 Biscayne Dr is moderate, ranking above 48% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.07% 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 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