Flagler County property record for 48 Ludlow Ln E, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,112 sqft · built 1993 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,000 (Apr 1996) |
| Tax Bill | $1,474 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7037-00080-0120 |
| Primary APN | 07-11-31-7037-00080-0120 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 2,883 sqft |
| 1st Floor Area | 2,112 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,502 sqft (0.287 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 544 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 48 LUDLOW LN E |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9598 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 37 BLOCK 8 LOT 12 OR 244 PG 149 OR 439 PG 949 (TX) OR 244 PG 149 OR 455 PG 144 (FJ-QT) OR 459 PG 1576 OR 474 PG 938 OR 492 PG 1578 OR 504 PG 805 OR 552 PG 1992 OR 1856 PG 1025-DC FOR ARINTON |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 8 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 60216 |
48 Ludlow Ln E is owned and occupied by two individuals who acquired it in April 2025.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 LUDLOW LN E, PALM COAST, FL 32137-9598 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1996 · Amount on File |
| Deed Sale | Apr 1, 1996 · Amount on File |
| Deed Book / Page | 552 / 1992 |
| Last Transfer Date | Apr 6, 2025 |
| Transfer Doc | 0029530193 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 48 Ludlow Ln E was $1,474, down 62.4% 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 | $1,474.00 (-62.39%) | $124,293 | $263,744 Land $56,000 Building $207,744 |
| 2024 | $3,919.00 (+1.27%) | ||
| 2023 | $3,870.00 (+0.73%) Homeowner's exemption | $117,271 (+3%) | $258,522 (+2.26%) Land $47,000 Building $211,522 |
| 2022 | $3,842.00 Homeowner's exemption | $113,855 | $252,806 Land $47,500 Building $205,306 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Ludlow Ln E in Zone X, an area of minimal flood risk.
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 File median of 70 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 70 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.
Wildfire risk around 48 Ludlow Ln E is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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