Flagler County property record for 39 Pershing Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,641 sqft · built 1998 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $156,000 (Jan 2005) |
| Tax Bill | $1,298 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Nov 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7025-00140-0120 |
| Primary APN | 07-11-31-7025-00140-0120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,641 sqft Living Area |
| Gross Area | 2,338 sqft |
| 1st Floor Area | 1,641 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 39 PERSHING LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-4704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 25 BL 14 LT 12 OR 118 PG 499 OR 300 PG 29 OR 553 PG 1539 OR 602 PG 1105 OR 657 PG 1577-QC OR 1196 PG 1864 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 14 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 60212 |
39 Pershing Ln is owned by a company that acquired it in October 2025.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Oct 9, 2025 | Intrafamily Transfer, Transfer |
| Nov 23, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Feb 1, 2020 | Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU |
| Jun 11, 2019 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Aug 25, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2005 · Amount on File |
| Deed Sale | Jan 31, 2005 · Amount on File |
| Prior Sale | Jan 5, 1998 · Amount on File |
| Deed Document Number | 20055165 |
| Deed Book / Page | 1196 / 1864 |
| Last Transfer Date | Oct 3, 2025 |
| Transfer Doc | 0029970645 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 9, 2025 |
| Property Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Number | 0029970645 |
| Book / Page | 2997 / 645 |
| Map Reference | MB 98 PG 1-19 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 2025041256 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Number | 0026301703 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 2630/1703 |
| Instrument | 2021064374 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Number | 0024191292 |
| Instrument Date | Feb 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 PERSHING LN PALM COAST FL 321644704, PALM COAST, FL 32164-4704 |
| Document Number | 0024191292 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 002419/001292 |
| Instrument | 5756 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Number | 0023621379 |
| Instrument Date | Jun 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 PERSHING LN PALM COAST FL 321644704, PALM COAST, FL 32164-4704 |
| Document Number | 0023621379 |
|---|---|
| Date | Jun 17, 2019 |
| Book Page | 002362/001379 |
| Instrument | 21907 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 16, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 39 PERSHING LN, PALM COAST, FL 32164-4704 |
| Document Number | 0022280035 |
| Book / Page | 002228 / 000035 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 39 PERSHING LN PALM COAST FL 321644704, PALM COAST, FL 32164-4704 |
| Document Number | 0022280035 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 002228/000035 |
| Instrument | 31048 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32232-5085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
The 2025 property tax bill for 39 Pershing Ln was $1,298, up 3.2% 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 | $1,298.00 (+3.18%) | $114,605 (+2.9%) | $229,764 (+2.81%) Land $52,000 Building $177,764 |
| 2024 | $1,258.00 (+3.8%) Homeowner's exemption | $111,375 (+3%) | $223,494 (-2.95%) Land $43,500 Building $179,994 |
| 2023 | $1,212.00 (+2.36%) Homeowner's exemption | $108,131 (+3%) | $230,295 (+2.27%) Land $42,500 Building $187,795 |
| 2022 | $1,184.00 Homeowner's exemption | $104,982 | $225,176 Land $43,000 Building $182,176 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Pershing Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2007.
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 56 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 56 in force |
| Nearby Flood Claims | 7 (2007–2024) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 39 Pershing Ln is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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