Flagler County property record for 38 Ludlow Ln E, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,204 sqft · built 2020 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | Company Name on File |
| Last Sale | $275,700 (Nov 2020) |
| Tax Bill | $5,809 (2025) |
| Deeds & Mortgages | Sep 2021 Transfer Nov 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7037-00080-0170 |
| Primary APN | 07-11-31-7037-00080-0170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,204 sqft Living Area |
| 1st Floor Area | 2,204 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,589 sqft (0.289 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 38 LUDLOW LN E |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9598 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 37 BLOCK 00008 LOT 0017 SUBDIVISION COMPLETION YEAR 1981 OR 553 PG 145 OR 2271/1045 OR 2298/1726 OR 2437/373 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 8 |
| Legal Lot Number | 17 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 60216 |
38 Ludlow Ln E is owned by a company that acquired it in September 2021.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Owner Type | Company |
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 |
|---|---|
| Sep 14, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 20, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage APPROVED MORTGAGE SOURCE LLC |
| Apr 22, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Aug 13, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 11, 2018 | Warranty Deed, Transfer AVIS TITLE INSURANCE AGENCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on File |
| Deed Sale | Nov 20, 2020 · Amount on File |
| Prior Sale | Apr 11, 2018 · Amount on File |
| Deed Document Number | 202048143 |
| Deed Book / Page | 2497 / 638 |
| Last Transfer Date | Sep 7, 2021 |
| Transfer Doc | 0026050508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 14, 2021 |
| Property Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0026050508 |
| Book / Page | 2605 / 508 |
| Map Reference | MB 13 PG 3 |
| Instrument Date | Sep 7, 2021 |
| Instrument | 2021050234 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 68 FREEPORT LN, 68, PALM COAST, FL 32137-8412 |
| Name | Verified Name |
|---|---|
| Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Nov 20, 2020 |
| Property Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0024970638 |
| Book / Page | 2497 / 638 |
| Map Reference | MB 13 PG 3 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 2020048143 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | AVIS TITLE INS AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,929.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 CYPRESS POINT PKWY # PKWY7, 185, PALM COAST, FL 32164-8407 |
| Name | Verified Name |
|---|---|
| Address | 67 FREEPORT LN, PALM COAST, FL 32137-4427 |
| Document Number | 0002497639 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 2497/639 |
| Name | APPROVED MORTGAGE SOURCE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 22, 2020 |
| Property Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0024370373 |
| Book / Page | 002437 / 000373 |
| Instrument Date | Apr 21, 2020 |
| Instrument | 15477 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 13, 2018 |
| Property Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0022981726 |
| Book / Page | 002298 / 001726 |
| Instrument Date | Aug 8, 2018 |
| Instrument | 30101 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 11, 2018 |
| Property Address | 38 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0022711045 |
| Book / Page | 002271 / 001045 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 13117 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2018 |
| Title Company | AVIS TITLE INSURANCE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Tax | $98.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 38 Ludlow Ln E was $5,809, down 3.1% 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 | $5,809.00 (-3.12%) | $319,633 Land $32,000 Building $287,633 | $319,633 Land $32,000 Building $287,633 |
| 2024 | $5,996.00 (+5.19%) | ||
| 2023 | $5,700.00 (+4.97%) | $327,537 (+2.9%) Land $41,000 Building $286,537 | $327,537 (+2.9%) Land $41,000 Building $286,537 |
| 2022 | $5,430.00 | $318,314 Land $41,000 Building $277,314 | $318,314 Land $41,000 Building $277,314 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Ludlow Ln E in Zone X, an area of minimal flood risk.
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 70 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 70 in force |
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 38 Ludlow Ln E is moderate, ranking above 68% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 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 |
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