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5 Pepper Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 5 Pepper Ln, Palm Coast, FL 32164

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,384 sqft · built 2019
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$225,000 (Apr 2020)
Tax Bill$2,355 (2025)
Deeds & MortgagesAug 2019 Mortgage
Apr 2020 Sale & Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7025-00330-0170

Property Details

APN / Parcel Number

Primary APN07-11-31-7025-00330-0170

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,384 sqft Living Area
Gross Area1,992 sqft
1st Floor Area1,384 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2021
Exterior MaterialStone
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area12,197 sqft (0.28 acres)
DrivewayConcrete Driveway
Driveway Area672 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address5 PEPPER LN
CityPALM COAST
StateFL
Zip32164-7462
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SECTION 25 BLOCK 00033 LOT 0017 SUBDIVISION COMPLETION YEAR 1975 OR BOOK 128 PAGE 7 OR 726 PG 22 OR 2298/1684 OR 2320/458 OR 2439/154
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block33
Legal Lot Number17
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group1
Census Block1021
Census Tract60212

Owner

5 Pepper Ln is owned and occupied by two individuals who bought it in April 2020.

Source: Flagler County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address5 PEPPER LN, PALM COAST, FL 32164-7462
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 28, 2019Deed of Trust, Mortgage · Commercial Mortgage
DLP LENDING FUND LLC
Apr 30, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
EQUITY PRIME MORTGAGE LLC
Aug 15, 2019Quit Claim Deed, Transfer · Conventional Mortgage
DLP INCOME & GROWTH FUND I LLC
Sep 16, 2019Correction Deed
XPRESS TITLE
Dec 11, 2018Grant Deed, Mortgage
DLP LENDING FUND LLC
Nov 20, 2018Quit Claim Deed, Transfer
XPRESS TITLE
Aug 13, 2018Warranty Deed, Transfer
GENESIS TITLE CORPORATION, GENESIS TITLE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 30, 2020 · Amount on File
Deed SaleApr 30, 2020 · Amount on File
Prior SaleAug 15, 2019 · Amount on File
Deed Document Number202016415
Deed Book / Page2439 / 154
Prior Transfer DateAug 1, 2019
Prior Transfer Doc0023770297
Record UpdatedOct 29, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Transaction TypeMortgage
Record UpdatedMar 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023800246
DateAug 28, 2019
Book Page2380/0246
Instrument2019032101
Lender
NameDLP LENDING FUND LLC
AddressBETHLEHEM, PA 18017
Agreement
TypeCommercial Mortgage
AmountAmount on Record

April 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateApr 30, 2020
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0024390154
Book / Page2439 / 154
Map ReferenceMB 9 PG 1-19
Instrument DateApr 29, 2020
Instrument2020016415
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 22, 2022

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,575.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address605 PALENCIA CLUB DR, 605, ST AUGUSTINE, FL 32095-6829

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 PEPPER LN, PALM COAST, FL 32164-7462

Mortgage

Document Number0024390156
DateApr 30, 2020
Instrument2439/0156
Lender
NameEQUITY PRIME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMay 1, 2050

August 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateAug 15, 2019
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0023770297
Book / Page002377 / 000297
Instrument DateAug 1, 2019
Instrument30274
Transaction TypeTransfer
Record UpdatedSep 26, 2019
Title CompanyXPRESS TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$15,312.50
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address605 PALENCIA CLUB DR ST AUGUSTINE FL 320956829, ST AUGUSTINE, FL 32095-6829

Mortgage

Document Number23820479
DateAug 15, 2019
Book Page002382/000479
Instrument33188
Lender
NameDLP INCOME & GROWTH FUND I LLC
Address95 HIGHLAND AVE # 300, BETHLEHEM, PA 18017-9452
Agreement
TypeConventional Mortgage
AmountAmount on Record

Mortgage

Document Number23820493,
DateAug 15, 2019
Book Page002382/000493
Instrument33189
Lender
NameDLP INCOME & GROWTH FUND I LLC
Address95 HIGHLAND AVE, BETHLEHEM, PA 18017-9424
Agreement
AmountAmount on Record

September 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionFLAGLER FL
Recording DateSep 16, 2019
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0023831375
Book / Page002383 / 001375
Instrument DateAug 1, 2019
Instrument34009
Record UpdatedSep 27, 2019
Title CompanyXPRESS TITLE

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address605 PALENCIA CLUB DR ST AUGUSTINE FL 320956829, ST AUGUSTINE, FL 32095-6829

December 2018: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionFLAGLER FL
Recording DateDec 11, 2018
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0023240237
Book / Page002324 / 000237
Instrument DateDec 3, 2018
Instrument46116
Transaction TypeMortgage
Record UpdatedDec 21, 2018
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address701 W BROAD ST BETHLEHEM PA 180185248, BETHLEHEM, PA 18018-5248
InvestorPossibly a Property Investor

Mortgage

Document Number23240237
DateDec 11, 2018
Book Page002324/000237
Instrument46116
Lender
NameDLP LENDING FUND LLC
TypeBank
Address701 W BROAD ST, BETHLEHEM, PA 18018-5248
Agreement
AmountAmount on Record

November 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateNov 20, 2018
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0023200458
Book / Page002320 / 000458
Instrument DateNov 12, 2018
Instrument43751
Transaction TypeTransfer
Record UpdatedDec 4, 2018
Title CompanyXPRESS TITLE

Transaction

AmountAmount on Record
Tax$0.70
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7345 GREENBRIAR PKWY ORLANDO FL 328198935, ORLANDO, FL 32819-8935
InvestorPossibly a Property Investor

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateAug 13, 2018
Property Address5 PEPPER LN, PALM COAST, FL 32164-7462
Document Number0022981684
Book / Page002298 / 001684
Instrument DateAug 8, 2018
Instrument30083
Transaction TypeTransfer
Record UpdatedNov 21, 2018
Title CompanyGENESIS TITLE CORPORATION, GENESIS TITLE CORP

Transaction

AmountAmount on Record
Tax$121.10
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address7345 GREENBRIAR PKWY ORLANDO FL 328198935, ORLANDO, FL 32819-8935
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5 Pepper Ln was $2,355 with exemptions applied, down 19.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,355.00 (-19.4%) Homeowner's exemption Senior Citizen's exemption$208,038$260,379 Land $52,000 Building $208,379
2024$2,922.00 (+2.71%)
2023$2,845.00 (+3.57%) Homeowner's exemption$196,286 (+4.9%)$257,520 (+7.55%) Land $42,500 Building $215,020
2022$2,747.00 Homeowner's exemption$187,118$239,437 Land $43,000 Building $196,437

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

Flood

FEMA maps place 5 Pepper Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 56 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies56 in force
Nearby Flood Claims7 (2007–2024)
Claims Outside the SFHA7 of 7
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims

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 5 Pepper Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 188 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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