7 Debra Dr, Palm Coast, FL 32137 Property Records

Flagler County property record for 7 Debra Dr, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,950 sqft · built 2023
Lot Size	0.289 acres (12,615 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Mar 2022)
Tax Bill	$7,691 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`40-10-31-5135-00010-0090`

Property Details

APN / Parcel Number

Primary APN	`40-10-31-5135-00010-0090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,950 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,615 sqft (0.289 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	7 DEBRA DR
City	PALM COAST
State	FL
Zip	32137-3333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Description	0.28 AC PROPERTY APPRAISERS SUBD #179 BLK 1 LOT 9 OR 98/584 OR 1197 PG 1734-CD OR 1197/1735 OR 2400/773
Legal Range	31E
Legal Township	10S
Legal Section	40
Legal Subdivision	PROPERTY APPRAISERS
Legal Block	1
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1014
Census Tract	60106

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2022	Warranty Deed, Construction Loan · Construction Mortgage AMERIS BANK
May 7, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 21, 2019	Warranty Deed, Transfer PARADISE TITLE/STATE AUGUSTINE, PARADISE TITLE/ST AUGUSTINE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on Record
Deed Sale	Mar 2, 2022 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	2022010973
Deed Book / Page	2663 / 230
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 DEBRA DR, PALM COAST, FL 32137-3333

Mortgage

Document Number	0030150342
Date	Dec 17, 2025
Book Page	3015/342
Instrument	2025051002

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 DEBRA DR, PALM COAST, FL 32137-3333

Mortgage

Document Number	0028071043
Date	Aug 25, 2023
Book Page	2807/1043
Instrument	2023037300

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 2, 2022
Property Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Document Number	0026630230
Book / Page	2663 / 230
Instrument Date	Feb 25, 2022
Instrument	2022010973
Transaction Type	Construction Loan
Record Updated	Feb 21, 2023
Title Company	SELECT TITLE SERVICES INC, SELECT TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$749.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5070 N OEEANSHORE BLVD, PALM COAST, FL 32137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5070 N OEEANSHORE BLVD, PALM COAST, FL 32137

Mortgage

Document Number	0002663231
Date	Mar 2, 2022
Instrument	2663/231

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Mar 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 7, 2021
Property Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Document Number	0025600284
Book / Page	2560 / 284
Instrument Date	Apr 30, 2021
Instrument	2021025315
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$924.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	84 HERNANDEZ AVE, PALM COAST, FL 32137-3244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5070 N OCEAN SHORE BLVD, PALM COAST, FL 32137-3303

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 21, 2019
Property Address	7 DEBRA DR, PALM COAST, FL 32137-3333
Document Number	0024000773
Book / Page	002400 / 000773
Instrument Date	Nov 21, 2019
Instrument	43528
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TITLE/ST AUGUSTINE

Transaction

Amount	Amount Recorded
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	84 HERNANDEZ AVE PALM COAST FL 321373244, PALM COAST, FL 32137-3244

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,691.00 (+408.66%) Homeowner's exemption	$586,997 (+453.77%)	$589,043 (+455.7%) Land $116,500 Building $472,543
2023	$1,512.00 (+12.84%)	$106,000 (+13.98%) Land $106,000	$106,000 (+13.98%) Land $106,000
2022	$1,340.00	$93,000 Land $93,000	$93,000 Land $93,000

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

Flood

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 Record median of 627 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1,191 units insured incl. 564 condo units
Nearby Flood Claims	121 (2004–2024)
Claims Outside the SFHA	15 of 121
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 24 claims Hurricane Irma, Oct 2017 · 26 claims Hurricane Matthew, Oct 2016 · 63 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile.

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