38 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 38 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,600 sqft · built 2003
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jan 2021)
Tax Bill	$8,926 (2025)
Deeds & Mortgages	Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-0970`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-0970`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,600 sqft Living Area
Gross Area	3,246 sqft
1st Floor Area	2,600 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Concrete Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,710 sqft (0.177 acres)
Driveway	Brick Driveway
Driveway Area	208 sqft
Pool Area	590 sqft
Deck Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 97 OR 644 PG 929 OR 869 PG 1006 OR 1060 PG 1750 OR 1764/309-ORDER OR 1776/464
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	97
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4006
Census Tract	60301

Owner

38 Front St is owned and occupied by two individuals who acquired it in May 2024.

Source: Flagler County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 FRONT ST, PALM COAST, FL 32137-1446
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Jul 16, 2010 · Amount on File
Deed Document Number	20211455
Deed Book / Page	2514 / 1406
Last Transfer Date	May 23, 2024
Transfer Doc	0028721752
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 12, 2021
Property Address	38 FRONT ST, PALM COAST, FL 32137-1446
Document Number	0025141406
Book / Page	2514 / 1406
Map Reference	MB 30 PG 87
Instrument Date	Jan 7, 2021
Instrument	2021001455
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COVENANT TITLE, COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount on Record
Tax	$3,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 451, STEPHENVILLE, TX 76401-0026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 FRONT ST, PALM COAST, FL 32137-1446

Tax Assessment & Valuation

The 2025 property tax bill for 38 Front St was $8,926, down 23.5% 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	$8,926.00 (-23.46%)	$534,281	$559,958 Land $135,500 Building $424,458
2024	$11,662.00 (+3.41%)
2023	$11,277.00 (+3.3%) Homeowner's exemption	$504,100 (+3%)	$569,038 (+16.27%) Land $125,000 Building $444,038
2022	$10,917.00 Homeowner's exemption	$489,417 Land $130,000 Building $359,417	$489,417 Land $130,000 Building $359,417

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

Flood

FEMA maps place 38 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 38 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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