44 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 44 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,428 sqft · built 1999
Lot Size	0.214 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$640,000 (Jun 2021)
Tax Bill	$8,428 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-1000`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-1000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,428 sqft Heated Area
Gross Area	3,673 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2001
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Tile
Lot Area	9,365 sqft (0.214 acres)
Driveway	Driveway
Driveway Area	432 sqft
Pool Type	Enclosed Pool
Pool Area	308 sqft
Deck Area	805 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	44 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 100 OR 571 PG 1480 OR 634 PG 1435-QC OR 1618 PG 491-FJ OR 2305/1109 OR 2391/278
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	100
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4006
Census Tract	60301

Owner

44 Front St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	44 FRONT ST, PALM COAST, FL 32137-1446
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
Sep 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 9, 2021	Warranty Deed, Transfer · VA Mortgage AAFMAA MORTGAGE LLC
Oct 15, 2019	Grant Deed, Transfer BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY
Sep 11, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	Oct 15, 2019 · Amount on File
Deed Document Number	2021031691
Deed Book / Page	2571 / 1353
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	44 FRONT ST, PALM COAST, FL 32137-1446
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 FRONT ST, PALM COAST, FL 32137-1446

Mortgage

Document Number	0029911846
Date	Sep 17, 2025
Book Page	2991/1846
Instrument	2025038266

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 9, 2021
Property Address	44 FRONT ST, PALM COAST, FL 32137-1446
Document Number	0025711353
Book / Page	2571 / 1353
Map Reference	MB 30 PG 87&88
Instrument Date	May 28, 2021
Instrument	2021031691
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	TITLE CHAIN INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 FLORIDA PARK DR S # S115, 1, PALM COAST, FL 32137-3816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 FRONT ST, PALM COAST, FL 32137-1446

Mortgage

Document Number	0025711355
Date	Jun 9, 2021
Book Page	2571/1355
Instrument	2021031693

Lender

Name	AAFMAA MORTGAGE LLC
Type	Mortgage Company
Address	MORRISVILLE, NC 27560

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 15, 2019
Property Address	44 FRONT ST, PALM COAST, FL 32137-1446
Document Number	0023910278
Book / Page	002391 / 000278
Instrument Date	Oct 2, 2019
Instrument	38116
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount on Record
Tax	$1,689.08
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 FLORIDA PARK DR PALM COAST FL 32137, PALM COAST, FL 32137

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 11, 2018
Property Address	44 FRONT ST, PALM COAST, FL 32137-1446
Document Number	0023051109
Book / Page	002305 / 001109
Instrument Date	Aug 27, 2018
Instrument	34531
Transaction Type	Foreclosure
Record Updated	Oct 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 44 Front St was $8,428 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	$8,428.00 Homeowner's exemption	$506,886	$537,123 Land $135,500 Building $401,623
2023	$10,798.00 (+3.44%) Homeowner's exemption	$478,253 (+3%)	$537,170 (+15.69%) Land $125,000 Building $412,170
2022	$10,439.00 Homeowner's exemption	$464,323 Land $130,000 Building $334,323	$464,323 Land $130,000 Building $334,323

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

Flood

FEMA maps place 44 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 44 Front St is low, with 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	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 228 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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