41 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 41 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,928 sqft · built 2005
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jan 2011)
Tax Bill	$1,948 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Apr 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00400-0130`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00400-0130`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,928 sqft Living Area
Gross Area	3,681 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,502 sqft (0.287 acres)
Driveway	Concrete Driveway
Driveway Area	468 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	41 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 57 BLK 40 LOT 13 OR 203 PG 237 OR 1078 PG 1410 OR 1257 PG 696 OR 1749 PG 1721-41 UNIVERSAL LAND TRST OR 1772/803 OR 1800/1281
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	40
Legal Lot Number	13
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

41 Universal Trl is owned and occupied by two individuals who acquired it in April 2025.

Source: Flagler County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 10, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2011 · Amount on File
Deed Sale	Jan 14, 2011 · Amount on File
Prior Sale	Jun 16, 2010
Deed Document Number	20111089
Deed Book / Page	1800 / 1281
Last Transfer Date	Apr 10, 2025
Transfer Doc	0029510144
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number	0029691858
Date	Jun 20, 2025
Book Page	2969/1858
Instrument	2025025894

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Apr 10, 2025
Property Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0029510144
Book / Page	2951 / 144
Map Reference	MB 17 PG 12-28
Instrument Date	Apr 10, 2025
Instrument	2025015198
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Tax Assessment & Valuation

The 2025 property tax bill for 41 Universal Trl was $1,948, up 2.9% from the year before.

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	$1,948.00 (+2.85%)	$150,340	$336,941 Land $52,000 Building $284,941
2024	$1,894.00 (+3.16%)
2023	$1,836.00 (+1.6%) Homeowner's exemption	$141,848 (+3%)	$345,252 (+2.35%) Land $44,500 Building $300,752
2022	$1,807.00 Homeowner's exemption	$137,717	$337,323 Land $45,500 Building $291,823

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

Flood

FEMA maps place 41 Universal Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.

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 35 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 2023 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 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 41 Universal Trl is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.1% 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 197 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 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Universal Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures