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7 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 7 Universal Trl, Palm Coast, FL 32164 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 2,052 sqft · built 2023
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on File
Last Sale$319,900 (Jan 2024)
Tax Bill$4,583 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
May 2023 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7057-00380-0020

Property Details

APN / Parcel Number

Primary APN07-11-31-7057-00380-0020

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,052 sqft Living Area
1st Floor Area2,052 sqft

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Exterior MaterialConcrete
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address7 UNIVERSAL TRL
CityPALM COAST
StateFL
Zip32164-5714
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 57 BLK 38 LT 2 OR 223 PG 573 OR 701 PG 1851-RDMAN GEBBIA TRUST OR 1797/637 OR 1797/640-DC- DONNA OR 1797/641-GEBBIA TRUST
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block38
Legal Lot Number2
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group1
Census Block1016
Census Tract60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00380-0020

Assessment roll updated December 8, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address7 UNIVERSAL TRL, PALM COAST, FL 32164-5714
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2024Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
RMC HOME MORTGAGE LLC
May 19, 2023Special Warranty Deed, Transfer
STEEL CITY TITLE INC, STEEL CITY TITLE
Mar 30, 2023Special Warranty Deed, Transfer
STEEL CITY TITLE INC, STEEL CITY TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 25, 2024 · Amount on Record
Deed SaleJan 25, 2024 · Amount on Record
Prior SaleMay 19, 2023 · Amount on Record
Deed Document Number20243364
Deed Book / Page2842 / 41
Prior Transfer DateMay 10, 2023
Prior Transfer Doc0027811910
Record UpdatedJun 08, 2026

January 2024: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionFLAGLER FL
Recording DateJan 25, 2024
Property Address7 UNIVERSAL TRL, PALM COAST, FL 32164-5714
Document Number0028420041
Book / Page2842 / 41
Map ReferenceMB 17 PG 12-28
Instrument DateDec 28, 2023
Instrument2024003364
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 23, 2025
Title CompanySTEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,239.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5220 SHAD RD, JACKSONVILLE, FL 32257-2007

Transferred To (Grantee/Buyer)

NameVerified Name
Address7 UNIVERSAL TRL, PALM COAST, FL 32164-5714

Mortgage

Document Number0000284242
DateJan 25, 2024
Instrument2842/42
Lender
NameRMC HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2054

May 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionFLAGLER FL
Recording DateMay 19, 2023
Property Address7 UNIVERSAL TRL, PALM COAST, FL 32164-5714
Document Number0027811910
Book / Page2781 / 1910
Map ReferenceMB 17 PG 12-28
Instrument DateMay 10, 2023
Instrument2023021636
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanySTEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

AmountAmount Recorded
Tax$360.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address726 SECOND ST # ST2A, ST2A, ANNAPOLIS, MD 21403-3352

Transferred To (Grantee/Buyer)

NameVerified Name
Address5220 SHAD RD, JACKSONVILLE, FL 32257-2007
InvestorPossibly a Property Investor

March 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionFLAGLER FL
Recording DateMar 30, 2023
Property Address7 UNIVERSAL TRL, PALM COAST, FL 32164-5714
Document Number0027670936
Book / Page2767 / 936
Map ReferenceMB 17 PG 12-28
Instrument DateMar 21, 2023
Instrument2023012826
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanySTEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

AmountAmount Recorded
Tax$350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address707 DORADO CT, BRANDON, FL 33511-5861

Transferred To (Grantee/Buyer)

NameVerified Name
Address726 SECOND ST STE 2A, 2A, ANNAPOLIS, MD 21403-3384
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,583.00 (-1.1%)$300,336 (+574.91%) Land $52,000 Building $248,336$300,336 (+574.91%) Land $52,000 Building $248,336
2024$4,634.00 (+943.69%)
2023$444.00 (+0.23%)$44,500 (-2.2%) Land $44,500$44,500 (-2.2%) Land $44,500
2022$443.00$45,500 Land $45,500$45,500 Land $45,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 35 individual NFIP policies nearby
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies35 in force
Nearby Flood Claims6 (2009–2023)
Claims Outside the SFHA6 of 6
Most Recent ClaimOct 2023, rainfall accumulation
Claims By Storm
  • Hurricane Ian, Sep 2022 · 2 claims
  • Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

Wildfire

Wildfire RiskModerate
above 59% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 658 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 197 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
SpectrumCable1,000 / 1,000
AT&TDSL100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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