45 Smith Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 45 Smith Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 2023
Lot Size	0.232 acres (10,106 sqft)
Owner	2 Company Names on File
Last Sale	$305,000 (Nov 2025)
Tax Bill	$3,608 (2025)
Deeds & Mortgages	Nov 2025 Sale Apr 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7059-00490-0160`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7059-00490-0160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,106 sqft (0.232 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 SMITH TRL
City	PALM COAST
State	FL
Zip	32164-5584
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 59 BLK 49 LOT 16 OR 523 PG 1221
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	49
Legal Lot Number	16
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	4
Census Block	4006
Census Tract	60208

Owner

45 Smith Trl is owned by a company that bought it in November 2025.

Source: Flagler County records, as of July 29, 2026

Owner of Record	2 Company Names on File
Mailing Address	131 GRACE LN, NICHOLASVILLE, KY 40356-9451
Owner Type	Company
Vesting	Husband and Wife

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
Nov 20, 2025	Warranty Deed, Transfer OCEAN BLUE TITLE LLC
Apr 19, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jan 27, 2021	Warranty Deed, Transfer HB TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2025 · Amount on File
Deed Sale	Nov 20, 2025 · Amount on File
Prior Sale	Apr 19, 2023 · Amount on File
Deed Document Number	202547279
Deed Book / Page	3007 / 1942
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 20, 2025
Property Address	45 SMITH TRL, PALM COAST, FL 32164-5584
Document Number	0030071942
Book / Page	3007 / 1942
Map Reference	MB 20 PG 1-8
Instrument Date	Nov 7, 2025
Instrument	2025047279
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2386 HARBOR BLVD APT 103, 103, COSTA MESA, CA 92626-6276

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 GRACE LN, NICHOLASVILLE, KY 40356-9451

April 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 19, 2023
Property Address	45 SMITH TRL, PALM COAST, FL 32164-5584
Document Number	0027721944
Book / Page	2772 / 1944
Map Reference	MB 20 PG 1-8
Instrument Date	Apr 13, 2023
Instrument	2023016212
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2024
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2293 W LAN GALLIE BLVD, MELBOURNE, FL 32935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SMITH TRL, PALM COAST, FL 32164-5584

Mortgage

Document Number	0027721946
Date	Apr 19, 2023
Instrument	2772/1946

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Mortgage

Document Number	0027721960
Date	Apr 19, 2023
Book Page	2772/1960
Instrument	2023016214

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 27, 2021
Property Address	45 SMITH TRL, PALM COAST, FL 32164-5584
Document Number	0025191197
Book / Page	2519 / 1197
Map Reference	MB 20 PG 1-8
Instrument Date	Jan 7, 2021
Instrument	2021004086
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	HB TITLE INC

Transaction

Amount	Amount on Record
Tax	$199.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10276 NW 53RD CT, 10276, CORAL SPRINGS, FL 33076-1780

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2293 W EAU GALLIE BLVD, MELBOURNE, FL 32935-3184

Tax Assessment & Valuation

The 2025 property tax bill for 45 Smith Trl was $3,608, up 2.5% 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	$3,608.00 (+2.47%)	$241,684 (+2.9%)	$243,173 (+3.53%) Land $52,000 Building $191,173
2024	$3,521.00 (+327.31%) Homeowner's exemption	$234,872 (+427.8%) Land $43,500 Building $191,372	$234,872 (+427.8%) Land $43,500 Building $191,372
2023	$824.00 (-1.55%)	$44,500 (+1.14%) Land $44,500	$44,500 (+1.14%) Land $44,500
2022	$837.00	$44,000 Land $44,000	$44,000 Land $44,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 45 Smith Trl 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 57 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	2 (2022–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 45 Smith Trl is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Metronet.

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