40 Karat Path, Palm Coast, FL 32164 Property Records

Flagler County property record for 40 Karat Path, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,971 sqft · built 2005
Lot Size	0.257 acres (11,238 sqft)
Owner	Owner Name on File
Last Sale	$170,000 (Oct 2013)
Tax Bill	$2,760 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7065-00570-0070`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7065-00570-0070`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,971 sqft Heated Area
Gross Area	3,445 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Driveway	Driveway
Driveway Area	400 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	40 KARAT PATH
City	PALM COAST
State	FL
Zip	32164-5670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SECTION 65 BLOCK 00057 LOT 0007 SUBDIVISION COMPLETION YEAR 1983 OR 553 PG 1539 OR 790 PG 488 OR 1142 PG 1546 OR 1
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	57
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2024
Census Tract	60208

Owner

The current owner of 40 Karat Path bought it in October 2013.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Owner Name on File
Mailing Address	40 KARAT PATH, PALM COAST, FL 32164-5670
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2013 · Amount on File
Deed Sale	Oct 9, 2013 · Amount on File
Prior Sale	Jul 9, 2013 · Amount on File
Deed Document Number	2013035007
Deed Book / Page	1969 / 1077
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	40 KARAT PATH, PALM COAST, FL 32164-5670
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 KARAT PATH, PALM COAST, FL 32164-5670

Mortgage

Document Number	0025980665
Date	Aug 24, 2021
Book Page	2598/665
Instrument	2021046371

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	347 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 40 Karat Path was $2,760 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$2,760.00 Homeowner's exemption	$195,044	$351,327 Land $51,000 Building $300,327
2023	$2,536.00 (+1.24%) Homeowner's exemption	$179,611 (+3%)	$338,003 (+0.68%) Land $42,000 Building $296,003
2022	$2,505.00 Homeowner's exemption	$174,380	$335,725 Land $45,000 Building $290,725

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Karat Path in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 58 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	58 in force
Nearby Flood Claims	4 (2001–2019)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Dec 2019
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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 40 Karat Path is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.3% 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 106 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	100 / 20