Flagler County property record for 64 Bruce Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,816 sqft · built 2015 |
| Lot Size | 0.229 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Jun 2020) |
| Tax Bill | $3,464 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7013-00160-0410 |
| Primary APN | 07-11-31-7013-00160-0410 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,816 sqft Heated Area |
| Gross Area | 2,570 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,001 sqft (0.229 acres) |
| Driveway | Driveway |
| Driveway Area | 418 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 64 BRUCE LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8713 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 13 BLOCK 00016 LOT 0041 SUBDIVISION COMPLETION YEAR 1980 OR 159 PG 407 OR 2022/1084 OR 2096/866 OR 2446/54 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 16 |
| Legal Lot Number | 41 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 60220 |
Source: Flagler County records · APN 07-11-31-7013-00160-0410
Assessment roll updated July 1, 2025 · Last verified January 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 File |
|---|---|
| Mailing Address | 64 BRUCE LN, PALM COAST, FL 32137-8713 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 22, 2017 | Deed of Trust, Mortgage NEW SOURCE FUNDING |
| Jun 02, 2020 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2020 · Amount on Record |
| Deed Sale | Jun 02, 2020 · Amount on Record |
| Prior Sale | Nov 12, 2015 · Amount on Record |
| Deed Document Number | 2020020235 |
| Deed Book / Page | 2446 / 543 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 64 BRUCE LN, PALM COAST, FL 32137-8713 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 64 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0025941589 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 2594/1589 |
| Instrument | 2021044475 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 64 BRUCE LN, PALM COAST, FL 32137-8713 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022310368 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 2231/0368 |
| Instrument | 2017033013 |
| Name | NEW SOURCE FUNDING |
|---|---|
| Address | BUFFALO, NY 14219 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 05, 2018 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 02, 2020 |
| Property Address | 64 BRUCE LN, PALM COAST, FL 32137-8713 |
| Document Number | 0024460543 |
| Book / Page | 002446 / 000543 |
| Instrument Date | May 29, 2020 |
| Instrument | 20235 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | COVENANT TITLE, COVENANT CLOSING & TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 64 BRUCE LN PALM COAST FL 321378713, PALM COAST, FL 32137-8713 |
| Document Number | 24460545 |
|---|---|
| Date | Jun 02, 2020 |
| Book Page | 002446/000545 |
| Instrument | 20236 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,464.00 (+5.32%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $238,755 (+5.99%) | $286,212 (+1.14%) Land $53,500 Building $232,712 |
| 2023 | $3,289.00 (+1.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $225,268 (+3%) | $282,997 (+2.78%) Land $45,000 Building $237,997 |
| 2022 | $3,253.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $218,707 | $275,349 Land $44,500 Building $230,849 |
Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 21 in force |
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 426 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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