Flagler County property record for 52 Covington Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,885 sqft · built 2002 |
| Lot Size | 0.453 acres (19,733 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Jul 2020) |
| Tax Bill | $5,090 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7016-00110-0240 |
| Primary APN | 07-11-31-7016-00110-0240 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,885 sqft Living Area |
| Gross Area | 2,747 sqft |
| 1st Floor Area | 1,885 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 19,733 sqft (0.453 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 615 sqft |
| Pool Area | 242 sqft |
| Deck Area | 470 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 52 COVINGTON LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9015 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 16 BLOCK 11 LOTS 24 & 25 OR 180 PG 349 OR 763 PG 69 OR 2022/1299 OR 2454/1650 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 11 |
| Legal Lot Number | 24 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 60104 |
Source: Flagler County records, as of September 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 1, 2020 | Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on Record |
| Deed Sale | Jul 1, 2020 · Amount on Record |
| Prior Sale | Jul 1, 2020 · Amount on Record |
| Deed Document Number | 202024793 |
| Deed Book / Page | 2454 / 1650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 21, 2026 |
| Property Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Document Number | 0000034021 |
| Book / Page | 3081 / 33 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202634021 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Document Number | 0000034021, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 3081/33 |
| Instrument | 202634021 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 12, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Document Number | 0025971574 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 2597/1574 |
| Instrument | 2021046121 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 1, 2020 |
| Property Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Document Number | 0024541650 |
| Book / Page | 2454 / 1650 |
| Map Reference | MB 35 PG 528 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 2020024793 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | BLUE OCEAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 976 OXFORD DR, 976, SAINT AUGUSTINE, FL 32084-1813 |
| Name | Verified Name |
|---|---|
| Address | 52 COVINGTON LN, PALM COAST, FL 32137-9015 |
| Document Number | 0024541652 |
|---|---|
| Date | Jul 1, 2020 |
| Instrument | 2454/1652 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
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 | $5,090.00 (+4.75%) Homeowner's exemption | $323,256 (+5.99%) | $465,688 (+13.87%) Land $136,000 Building $329,688 |
| 2023 | $4,859.00 (+0.79%) Homeowner's exemption | $304,996 (+3%) | $408,956 (-1.5%) Land $119,000 Building $289,956 |
| 2022 | $4,821.00 Homeowner's exemption | $296,113 | $415,182 Land $132,500 Building $282,682 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 183 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 21 (2001–2024) |
| Claims Outside the SFHA | 18 of 21 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 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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