Flagler County property record for 39 Biscayne Dr, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,174 sqft · built 2003 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,400 (May 2003) |
| Tax Bill | $983 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Aug 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7035-01150-0170 |
| Primary APN | 07-11-31-7035-01150-0170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,174 sqft Living Area |
| Gross Area | 1,706 sqft |
| 1st Floor Area | 1,174 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 39 BISCAYNE DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-3708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 35 BLOCK 00115 LOT 0017 SUBDIVISION COMPLETION YEAR 1981 OR 187 PG 501 OR 814 PG 1674 OR 933 PG 233 OR 978/975 OR 1734/1765 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 115 |
| Legal Lot Number | 17 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 60215 |
Source: Flagler County records, as of May 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 39 BISCAYNE DR, PALM COAST, FL 32137-3708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Aug 8, 2018 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2003 · Amount on Record |
| Deed Sale | May 20, 2003 · Amount on Record |
| Prior Sale | Apr 10, 2002 · Amount on Record |
| Deed Book / Page | 933 / 233 |
| Last Transfer Date | Aug 29, 2003 |
| Transfer Doc | 0009780975 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 12, 2026 |
| Property Address | 39 BISCAYNE DR, PALM COAST, FL 32137-3708 |
| Document Number | 0000019298 |
| Book / Page | 3054 / 141 |
| Instrument Date | May 1, 2026 |
| Instrument | 202619298 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 39 BISCAYNE DR, PALM COAST, FL 32137-3708 |
| Document Number | 0000019298, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 3054/141 |
| Instrument | 202619298 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 39 BISCAYNE DR, PALM COAST, FL 32137-3708 |
| Document Number | 0023041974 |
| Instrument Date | Aug 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 39 BISCAYNE DR PALM COAST FL 321373708, PALM COAST, FL 32137-3708 |
| Document Number | 0023041974 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 002304/001974 |
| Instrument | 34165 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 6, 2048 |
| Rate | 4.75% |
|---|
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 | $983.00 (+3.58%) Homeowner's exemption | $97,271 (+5.99%) | $203,519 (+0.2%) Land $55,000 Building $148,519 |
| 2024 | $949.00 (+4.4%) | ||
| 2023 | $909.00 (+3.06%) Homeowner's exemption | $91,776 (+3%) | $203,114 (+1.21%) Land $46,000 Building $157,114 |
| 2022 | $882.00 Homeowner's exemption | $89,103 | $200,679 Land $48,000 Building $152,679 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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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