Flagler County property record for 48 Karat Path, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,279 sqft · built 2005 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,900 (Jul 2020) |
| Tax Bill | $3,841 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Oct 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7065-00570-0030 |
| Primary APN | 07-11-31-7065-00570-0030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,279 sqft Living Area |
| Gross Area | 2,964 sqft |
| 1st Floor Area | 2,279 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48 KARAT PATH |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-5670 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 65 BLOCK 00057 LOT 0003 SUBDIVISION COMPLETION YEAR 1983 OR 553 PG 1539 OR 790 PG 488 OR 1142 PG 1546 OR 1344/431 OR 1664/521 OR 1668/402 OR 1869/1713 OR 2435/404 OR 2455/1799 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 57 |
| Legal Lot Number | 3 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 60208 |
48 Karat Path is owned and occupied by two individuals who bought it in July 2020.
Source: Flagler County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 4, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jul 6, 2020 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Apr 14, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2020 · Amount on File |
| Deed Sale | Jul 6, 2020 · Amount on File |
| Prior Sale | Jul 6, 2020 · Amount on File |
| Deed Document Number | 202025333 |
| Deed Book / Page | 2455 / 1799 |
| Prior Transfer Date | May 8, 2012 |
| Prior Transfer Doc | 0018691713 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0026520316 |
|---|---|
| Date | Jan 27, 2022 |
| Book Page | 2652/316 |
| Instrument | 2022004530 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 4, 2022 |
| Property Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Number | 0027251726 |
| Book / Page | 2725 / 1726 |
| Map Reference | MB 17 PG 56-67 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 2022048395 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 KARAT PATH, 48, PALM COAST, FL 32164-5670 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 6, 2020 |
| Property Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Number | 0024551799 |
| Book / Page | 2455 / 1799 |
| Map Reference | MB 17 PG 56-67 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 2020025333 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|---|
| Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Number | 0024551801 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 2455/1801 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 14, 2020 |
| Property Address | 48 KARAT PATH, PALM COAST, FL 32164-5670 |
| Document Number | 0024350404 |
| Book / Page | 002435 / 000404 |
| Instrument Date | Apr 13, 2020 |
| Instrument | 14405 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,453.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 48 KARAT PATH PALM COAST FL 321645670, PALM COAST, FL 32164-5670 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 48 Karat Path was $3,841 with a homeowner's exemption, up 2.5% from the year before.
Source: Flagler County assessment roll, as of December 8, 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 | $3,841.00 (+2.45%) Homeowner's exemption | $254,515 | $286,237 Land $51,000 Building $235,237 |
| 2024 | $3,749.00 (+2.52%) | ||
| 2023 | $3,657.00 (+0.94%) Homeowner's exemption | $240,138 (+3%) | $290,175 (+1.6%) Land $42,000 Building $248,175 |
| 2022 | $3,623.00 Homeowner's exemption | $233,144 | $285,614 Land $45,000 Building $240,614 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Karat Path in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 58 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 58 in force |
| Nearby Flood Claims | 4 (2001–2019) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Dec 2019 |
| Claims by Event |
|
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 risk around 48 Karat Path is high, ranking above 71% 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 | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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