55 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 55 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,679 sqft · built 1999
Lot Size	0.487 acres (21,214 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (May 2020)
Tax Bill	$12,258 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2830-00000-0610`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2830-00000-0610`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	4,679 sqft Living Area
Gross Area	5,748 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2004
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	21,214 sqft (0.487 acres)
Lot Width	70 ft Width
Driveway	Brick Driveway
Driveway Area	650 sqft
Pool Area	192 sqft
Deck Area	462 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	55 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET AT GRAND HAVEN PHASE 1 LOT 61 OR 599 PG 422 OR 620 PG 478-CD OR 624 PG 433-QC OR 624 PG 444 OR 950 PG 1826 OR 1752/1912 OR 2440/111 OR 2440/111
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET AT GRAND HAVEN
Legal Phase	1
Legal Lot Number	61
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

55 Front St is owned by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	143 SUMMER ST, WATERTOWN, MA 02472-3802
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2020 · Amount on File
Deed Sale	May 5, 2020 · Amount on File
Deed Document Number	202016935
Deed Book / Page	2440 / 111
Prior Transfer Date	Dec 11, 2009
Prior Transfer Doc	0017521912
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 5, 2020
Property Address	55 FRONT ST, PALM COAST, FL 32137-1456
Document Number	0024400111
Book / Page	2440 / 111
Map Reference	MB 38 PG 87
Instrument Date	Apr 29, 2020
Instrument	2020016935
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	FEDERAL TITLE AND ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7440 SW 5TH ST, 7440, PLANTATION, FL 33317-3805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 FRONT ST, PALM COAST, FL 32137-1456

Mortgage

Document Number	0024400113
Date	May 5, 2020
Instrument	2440/0113

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 55 Front St was $12,258, down 17.9% 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	$12,258.00 (-17.88%)	$717,660	$1,070,360 Land $273,000 Building $797,360
2024	$14,927.00 (+3.07%)
2023	$14,483.00 (+2.62%) Homeowner's exemption	$677,121 (+3%)	$1,108,980 (+16.94%) Land $273,000 Building $835,980
2022	$14,113.00 Homeowner's exemption	$657,399	$948,325 Land $261,450 Building $686,875

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

Flood

FEMA maps place 55 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 55 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

Nearby Properties on Front St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures