54 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 54 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,187 sqft · built 2005
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,378 (2025)
Deeds & Mortgages	Jun 2023 Transfer Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-1050`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-1050`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,187 sqft Living Area
Gross Area	4,454 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	11,021 sqft (0.253 acres)
Pool Area	216 sqft
Deck Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 105 OR 581 PG 1258 OR 664 PG 247 OR 729 PG 1577-WHITING TRUST OR 1077 PG 894 OR 1582/1959 OR 2120/663 OR 2421/165
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	105
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4006
Census Tract	60301

Owner

54 Front St is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 FRONT ST, PALM COAST, FL 32137-1447
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 9, 2023	Correction Deed ACCOMODATION, ACCOMMODATION
Sep 9, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 26, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 18, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2016
Deed Sale	Mar 1, 2016
Prior Sale	Feb 26, 2001 · Amount on File
Deed Book / Page	2120 / 663
Last Transfer Date	Oct 20, 2021
Transfer Doc	0026511523
Record Updated	Sep 20, 2026

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 9, 2023
Property Address	54 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0027870375
Book / Page	2787 / 375
Map Reference	MB 30 PG 87&88
Instrument Date	Apr 26, 2023
Instrument	2023024690
Record Updated	Jun 27, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 FRONT ST, PALM COAST, FL 32137-1447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 FRONT ST, PALM COAST, FL 32137-1447

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Sep 9, 2022
Property Address	54 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0027201667
Book / Page	2720 / 1667
Map Reference	MB 30 PG 87&88
Instrument Date	Aug 15, 2022
Instrument	2022045426
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 FRONT ST, 54, PALM COAST, FL 32137-1447

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	54 FRONT ST, PALM COAST, FL 32137-1447

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Jan 26, 2022
Property Address	54 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0026511523
Book / Page	2651 / 1523
Map Reference	MB 30 PG 87&88
Instrument Date	Oct 20, 2021
Instrument	2022004300
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 FRONT ST, PALM COAST, FL 32137-1447

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Feb 18, 2020
Property Address	54 FRONT ST, PALM COAST, FL 32137-1447
Document Number	0024210165
Book / Page	2421 / 0165
Map Reference	MB 30 PG 87&88
Instrument Date	Nov 27, 2019
Instrument	2020006591
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 FRONT ST, PALM COAST, FL 32137-1447

Mortgage

Document Number	0024210168
Date	Feb 18, 2020
Instrument	2421/0168

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Dec 1, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 54 Front St was $6,378 with a homeowner's exemption, down 30.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$6,378.00 (-30.42%) Homeowner's exemption	$394,091	$666,997 Land $135,500 Building $531,497
2024	$9,166.00 (+3.84%)
2023	$8,827.00 (+4.18%) Homeowner's exemption	$371,829 (+3%)	$675,599 (+17.02%) Land $125,000 Building $550,599
2022	$8,473.00 Homeowner's exemption	$360,999	$577,328 Land $130,000 Building $447,328

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

Flood

FEMA maps place 54 Front St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 54 Front St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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