43 Bruce Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 43 Bruce Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 2003
Lot Size	0.229 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$213,900 (Apr 2020)
Tax Bill	$2,809 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7013-00170-0130`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7013-00170-0130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,674 sqft Heated Area
Gross Area	2,407 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,001 sqft (0.229 acres)
Driveway	Driveway
Driveway Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43 BRUCE LN
City	PALM COAST
State	FL
Zip	32137-8714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 13 BLK 17 LOT 13 OR 448 PG 409, OR 532 PG 314 OR 830 PG 220 OR 959 PG 1993 OR 2435/137-139-DC&ACM OR 2435/
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	17
Legal Lot Number	13
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2008
Census Tract	60220

Owner

Source: Flagler County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	43 BRUCE LN, PALM COAST, FL 32137-8714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2020 · Amount on Record
Deed Sale	Apr 13, 2020 · Amount on Record
Prior Sale	Jul 24, 2003 · Amount on Record
Deed Document Number	2020014302
Deed Book / Page	2435 / 140
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 13, 2020
Property Address	43 BRUCE LN, PALM COAST, FL 32137-8714
Document Number	0024350140
Book / Page	2435 / 140
Map Reference	MB 7 PG 1-19
Instrument Date	Apr 3, 2020
Instrument	2020014302
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,497.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	76B FARMSWORTH DR, 76B, PALM COAST, FL 32137-9189

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 BRUCE LN, PALM COAST, FL 32137-8714

Mortgage

Document Number	0024350142
Date	Apr 13, 2020
Instrument	2435/0142

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	$2,809.00 (+5.4%) Homeowner's exemption	$197,757 (+5.99%)	$256,040 (+1.32%) Land $53,500 Building $202,540
2023	$2,665.00 (+1.18%) Homeowner's exemption	$186,586 (+3%)	$252,694 (+1.68%) Land $45,000 Building $207,694
2022	$2,634.00 Homeowner's exemption	$181,152	$248,526 Land $44,500 Building $204,026

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

Flood

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 21 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	21 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.

Wildfire

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 426 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20