5 Smith Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 5 Smith Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,829 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$204,900 (Aug 2019)
Tax Bill	$2,388 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7059-00550-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7059-00550-0020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,829 sqft Heated Area
Gross Area	2,301 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2009
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	468 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5 SMITH TRL
City	PALM COAST
State	FL
Zip	32164-5524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 59 BLK 55 LOT 2 OR 687 PG 1052 OR 962 PG 114 OR 1162 PG 605 OR 1180 PG 823 OR 1419 PG 231 OR 2333/137 OR 2378/
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	55
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	4
Census Block	4006
Census Tract	60208

Owner

5 Smith Trl is owned and occupied by two individuals who bought it in August 2019.

Source: Flagler County records, as of December 22, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5 SMITH TRL, PALM COAST, FL 32164-5524
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Jan 31, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Apr 11, 2006 · Amount on File
Deed Document Number	2019030986
Deed Book / Page	2378 / 0472
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	5 SMITH TRL, PALM COAST, FL 32164-5524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 SMITH TRL, PALM COAST, FL 32164-5524

Mortgage

Document Number	0024901261
Date	Oct 29, 2020
Book Page	2490/1261
Instrument	2020044551

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 21, 2019
Property Address	5 SMITH TRL, PALM COAST, FL 32164-5524
Document Number	0023780472
Book / Page	002378 / 000472
Instrument Date	Aug 15, 2019
Instrument	30986
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,434.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	412 DOUGLAS ST YPSILANTI MI 481972025, YPSILANTI, MI 48197-2025

Mortgage

Document Number	23780475
Date	Aug 21, 2019
Book Page	002378/000475
Instrument	30987

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 31, 2019
Property Address	5 SMITH TRL, PALM COAST, FL 32164-5524
Document Number	0023330137
Book / Page	002333 / 000137
Instrument Date	Jan 31, 2019
Instrument	3555
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	29 POTTERS LN PALM COAST FL 321646711, PALM COAST, FL 32164-6711

Tax Assessment & Valuation

The 2025 property tax bill for 5 Smith Trl was $2,388 with exemptions applied.

Source: Flagler County assessment roll, as of July 1, 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	$2,388.00 Homeowner's exemption Disabled Person's exemption	$179,598	$245,291 Land $52,000 Building $193,291
2023	$2,255.00 (-2.3%) Homeowner's exemption Disabled Person's exemption	$169,452 (+3%)	$246,489 (+2.67%) Land $44,500 Building $201,989
2022	$2,308.00 Homeowner's exemption Disabled Person's exemption	$164,516	$240,073 Land $44,000 Building $196,073

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

Flood

FEMA maps place 5 Smith Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2022.

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 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 5 Smith Trl is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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