38 Smith Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 38 Smith Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2024
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$306,000 (Apr 2025)
Tax Bill	$4,609 (2025)
Deeds & Mortgages	Aug 2026 Sale Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7059-00540-0090`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7059-00540-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38 SMITH TRL
City	PALM COAST
State	FL
Zip	32164-5581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 59 BLK 54 LOT 9 OR 549 PG 485
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	54
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	4
Census Block	4003
Census Tract	60208

Owner

38 Smith Trl is owned and occupied by two individuals who acquired it in July 2026.

Source: Flagler County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 SMITH TRL, PALM COAST, FL 32164-5581
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

Date	Document
Aug 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 23, 2025	Warranty Deed, Subdivision Related Transfer · FHA Mortgage COASTAL LOANS LLC
Nov 15, 2023	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2025 · Amount on File
Deed Sale	Apr 23, 2025 · Amount on File
Prior Sale	Nov 15, 2023 · Amount on File
Deed Document Number	202516996
Deed Book / Page	2953 / 1724
Last Transfer Date	Jul 30, 2026
Transfer Doc	0000031844
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 5, 2026
Property Address	38 SMITH TRL, PALM COAST, FL 32164-5581
Document Number	0000031844
Book / Page	3077 / 964
Instrument Date	Jul 30, 2026
Instrument	202631844
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	38 SMITH TRL, PALM COAST, FL 32164-5581

April 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 23, 2025
Property Address	38 SMITH TRL, PALM COAST, FL 32164-5581
Document Number	0029531724
Book / Page	2953 / 1724
Map Reference	MB 19 PG 41-50
Instrument Date	Apr 15, 2025
Instrument	2025016996
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,142.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SMITH TRL, PALM COAST, FL 32164-5581

Mortgage

Document Number	0029531726
Date	Apr 23, 2025
Instrument	2953/1726

Lender

Name	COASTAL LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 15, 2023
Property Address	38 SMITH TRL, PALM COAST, FL 32164-5581
Document Number	0028271027
Book / Page	2827 / 1027
Map Reference	MB 19 PG 41-50
Instrument Date	Nov 1, 2023
Instrument	2023049908
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$399.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	99 REID AVE, BERGENFIELD, NJ 07621-1925

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2293 WEST EATS GALLIE BOULEVARD, MELBOURNE, FL 32935

Tax Assessment & Valuation

The 2025 property tax bill for 38 Smith Trl was $4,609.

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	$4,609.00	$256,551 Land $52,000 Building $204,551	$256,551 Land $52,000 Building $204,551
2023	$444.00 (+2.3%)	$44,500 (+1.14%) Land $44,500	$44,500 (+1.14%) Land $44,500
2022	$434.00	$44,000 Land $44,000	$44,000 Land $44,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 38 Smith Trl 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 57 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 Smith Trl is moderate, ranking above 65% 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 65% of the US · above 41% 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.

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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Metronet.

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