48 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 48 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,667 sqft · built 2001
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Trust Names on File
Last Sale	$525,000 (Apr 2023)
Tax Bill	$8,583 (2025)
Deeds & Mortgages	Jun 2026 Sale Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-1020`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-1020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,667 sqft Living Area
Gross Area	3,666 sqft
1st Floor Area	2,667 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,710 sqft (0.177 acres)
Driveway	Concrete Driveway
Driveway Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	48 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 102 OR 605 PG 289 OR 1438 PG 715-RDMAN TARTARO TRUST
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	102
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4006
Census Tract	60301

Owner

48 Front St is owner-occupied and held in a trust since April 2023.

Source: Flagler County records, as of July 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	48 FRONT ST, PALM COAST, FL 32137-1447
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 13, 2023	Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2023 · Amount on File
Deed Sale	Apr 13, 2023 · Amount on File
Prior Sale	Feb 6, 1998 · Amount on File
Deed Document Number	202314878
Deed Book / Page	2771 / 101
Prior Transfer Date	May 23, 2006
Prior Transfer Doc	0014380715
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 22, 2026
Property Address	48 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0000024827
Book / Page	3064 / 291
Instrument Date	Jun 17, 2026
Instrument	202624827
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	48 FRONT ST, PALM COAST, FL 32137-1447

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 13, 2023
Property Address	48 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0027710101
Book / Page	2771 / 101
Map Reference	MB 30 PG 87&88
Instrument Date	Mar 22, 2023
Instrument	2023014878
Transaction Type	Transfer
Record Updated	May 5, 2023
Title Company	OLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 FRONT ST, PALM COAST, FL 32137-1447

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	854 PEARL ST, BOWLING GREEN, OH 43402-2609

Mortgage

Document Number	0002771103
Date	Apr 13, 2023
Instrument	2771/103

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.6%
Index	Other
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 48 Front St was $8,583 with a homeowner's exemption, down 32.7% 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	$8,583.00 (-32.75%) Homeowner's exemption	$515,408 Land $135,500 Building $379,908	$515,408 Land $135,500 Building $379,908
2024	$12,762.00 (+6.48%)
2023	$11,985.00 (+100.25%)	$499,609 (+88.69%) Land $125,000 Building $374,609	$499,609 (+15.3%) Land $125,000 Building $374,609
2022	$5,985.00 Homeowner's exemption Widower's exemption Additional exemption filed	$264,781	$433,328 Land $130,000 Building $303,328

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

Flood

FEMA maps place 48 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 48 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

Nearby Properties on Front St

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