Flagler County property record for 44 Bruce Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,699 sqft · built 2002 |
| Lot Size | 0.3 acres (13,103 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Jun 2020) |
| Tax Bill | $3,054 (2025) |
| Deeds & Mortgages | Nov 2023 Line of Credit Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7013-00160-0360 |
| Primary APN | 07-11-31-7013-00160-0360 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,699 sqft Heated Area |
| Gross Area | 2,312 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,103 sqft (0.3 acres) |
| Driveway | Driveway |
| Driveway Area | 416 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 44 BRUCE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 13 BLOCK 00016 LOT 0036 SUBDIVISION COMPLETION YEAR 1980 OR 228 PG 267 OR 843 PG 1012 OR 864 PG 1112 OR 89 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 16 |
| Legal Lot Number | 36 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60220 |
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 44 BRUCE LN, PALM COAST, FL 32137-8713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 28, 2023 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Jun 8, 2020 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 8, 2020 · Amount on Record |
| Deed Sale | Jun 8, 2020 · Amount on Record |
| Prior Sale | Apr 14, 2008 · Amount on Record |
| Deed Document Number | 2020021018 |
| Deed Book / Page | 2447 / 1451 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 44 BRUCE LN, PALM COAST, FL 32137-8713 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 44 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0028290641 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 2829/641 |
| Instrument | 2023051148 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 12, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 8, 2020 |
| Property Address | 44 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0024471451 |
| Book / Page | 2447 / 1451 |
| Map Reference | MB 7 PG 1-10 |
| Instrument | 2020021018 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | OCEAN BLUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 AITHEN LN, 221, AMHERST, VA 24521 |
| Name | Verified Name |
|---|---|
| Address | 44 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0024471453 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 2447/1453 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Flagler County assessment roll, as of July 1, 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 | $3,054.00 (+5.27%) Homeowner's exemption | $211,227 (+5.99%) | $261,699 (+3.26%) Land $53,500 Building $208,199 |
| 2023 | $2,901.00 (+1.12%) Homeowner's exemption | $199,295 (+3%) | $253,427 (+2.68%) Land $45,000 Building $208,427 |
| 2022 | $2,869.00 Homeowner's exemption | $193,490 | $246,806 Land $44,500 Building $202,306 |
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 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.
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 |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures