Flagler County property record for 4 Ludlow Ln E, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,342 sqft · built 2014 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,009 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7037-00140-0050 |
| Primary APN | 07-11-31-7037-00140-0050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| Gross Area | 1,901 sqft |
| 1st Floor Area | 1,342 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,106 sqft (0.232 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4 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 00014 LOT 0005 SUBDIVISION COMPLETION YEAR 1981 OR 245 PG 129 OR 838 PG 1301 OR 1320 PG 364 OR 1508/482 OR 2011/1626 OR 2179/393 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 14 |
| Legal Lot Number | 5 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 60216 |
Source: Flagler County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2021 | Intrafamily Transfer, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP |
| Jan 5, 2017 | Warranty Deed, Transfer · VA Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2021 |
| Deed Sale | Aug 27, 2021 |
| Prior Sale | Jan 5, 2017 · Amount on Record |
| Deed Document Number | 202147214 |
| Deed Book / Page | 2599 / 1778 |
| Prior Transfer Date | Jul 16, 2021 |
| Prior Transfer Doc | 0025991778 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 4 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0025991778 |
| Book / Page | 2599 / 1778 |
| Map Reference | MB 13 PG 1-29 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021047214 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2021 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 25991780 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2599/1780 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 5, 2017 |
| Property Address | 4 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 0021790393 |
| Book / Page | 2179 / 0393 |
| Map Reference | MB13 PG1-29 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 2017000375 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AMERICAS CHOICE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,175.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3026 SW SUNSET TRACE CIR, 3026, PALM CITY, FL 34990-2629 |
| Name | Verified Name |
|---|---|
| Address | 4 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| Document Number | 2017000376 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 2017000376 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
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 | $2,009.00 (+2.81%) Homeowner's exemption | $153,701 (+5.99%) | $245,036 (+3.52%) Land $55,500 Building $189,536 |
| 2024 | $1,954.00 (+3.11%) | ||
| 2023 | $1,895.00 (+1.55%) Homeowner's exemption | $145,019 (+3%) | $236,703 (+2.2%) Land $46,500 Building $190,203 |
| 2022 | $1,866.00 Homeowner's exemption | $140,795 | $231,611 Land $47,000 Building $184,611 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 271 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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