43 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 43 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,258 sqft · built 2002
Lot Size	0.487 acres (21,257 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Apr 1999)
Tax Bill	$8,358 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-0550`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-0550`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	3,258 sqft Heated Area
Gross Area	4,480 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2004
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	21,257 sqft (0.487 acres)
Lot Width	70 ft Width
Driveway	Driveway
Driveway Area	612 sqft

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	300 sqft
Deck Area	366 sqft
Patio Area	720 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 55 OR 648 PG 1088
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	55
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

43 Front St is owned and occupied by an individual who bought it in April 1999.

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

Owner of Record	Individual Name on File
Mailing Address	43 FRONT ST, PALM COAST, FL 32137-1455
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Nov 19, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 1999 · Amount on File
Deed Sale	Apr 1, 1999 · Amount on File
Deed Document Number	0064801088
Deed Book / Page	00648 / 01088
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	43 FRONT ST, PALM COAST, FL 32137-1455
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 FRONT ST, PALM COAST, FL 32137-1455

Mortgage

Document Number	0025491779
Date	Apr 14, 2021
Book Page	2549/1779
Instrument	2021019824

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	175 Months
Due	Nov 1, 2035

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	43 FRONT ST, PALM COAST, FL 32137-1455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023191167
Date	Nov 19, 2018
Book Page	2319/1167
Instrument	2018043358

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 43 Front St was $8,358 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	$8,358.00 Homeowner's exemption	$503,047	$803,129 Land $273,000 Building $530,129
2023	$10,731.00 (+3.46%) Homeowner's exemption	$474,631 (+3%)	$829,837 (+15.55%) Land $273,000 Building $556,837
2022	$10,372.00 Homeowner's exemption	$460,806	$718,181 Land $261,450 Building $456,731

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

Flood

FEMA maps place 43 Front St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 43 Front St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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