71 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 71 Universal Trl, Palm Coast, FL 32164 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,040 sqft · built 2018
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Jan 2021)
Tax Bill	$3,137 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Oct 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00370-0070`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00370-0070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,040 sqft Heated Area
Gross Area	2,512 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	400 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	71 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 57 BLK 37 LOT 7 OR 193 PG 662 OR 2260/1468 OR 2325/1212 OR 2393/1607
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	37
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00370-0070

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 04, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 25, 2019	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 18, 2018	Grant Deed, Transfer · Conventional Mortgage INSPIRE HM LNS INC
Feb 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Feb 21, 2018	Loan Modification, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2021 · Amount on Record
Deed Sale	Jan 04, 2021 · Amount on Record
Prior Sale	Oct 25, 2019 · Amount on Record
Deed Document Number	2021000080
Deed Book / Page	2512 / 397
Record Updated	Jun 08, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 04, 2021
Property Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0025120397
Book / Page	2512 / 397
Map Reference	MB 17 PG 20
Instrument Date	Dec 29, 2020
Instrument	2021000080
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,561.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2304 OLDFIELD DR, ORLANDO, FL 32837-7441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number	0002512398
Date	Jan 04, 2021
Instrument	2512/398

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 25, 2019
Property Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0023931607
Book / Page	2393 / 1607
Map Reference	MB 17 PG 12-28
Instrument Date	Oct 25, 2019
Instrument	2019039769
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	ADAMS CAMERON TITLE SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 RIVER RIDGE TRL, 40, ORMOND BEACH, FL 32174-4315

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number	0023931608
Date	Oct 25, 2019
Instrument	2393-1608

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 18, 2018
Property Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0023251212
Book / Page	002325 / 001212
Instrument Date	Dec 12, 2018
Instrument	47145
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 UNIVERSAL TRL PALM COAST FL 32164, PALM COAST, FL 32164

Mortgage

Document Number	23251214
Date	Dec 18, 2018
Book Page	002325/001214
Instrument	47146

Lender

Name	INSPIRE HM LNS INC
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 21, 2018
Property Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0022601468
Book / Page	002260 / 001468
Instrument Date	Jan 16, 2018
Instrument	6312
Transaction Type	Transfer
Record Updated	Mar 02, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$92.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3300 BATTLEGROUND AVE #230 GREENSBORO NC 274102490, 230, GREENSBORO, NC 27410-2490
Investor	Possibly a Property Investor

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Recording Date	Feb 21, 2018
Property Address	71 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0022601469
Book / Page	002260 / 001469
Instrument Date	Jan 11, 2018
Instrument	6313
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3300 BATTLEGROUND AVE #230 GREENSBORO NC 274102490, 230, GREENSBORO, NC 27410-2490
Investor	Possibly a Property Investor

Mortgage

Document Number	22601469
Date	Feb 21, 2018
Book Page	002260/001469
Instrument	6313

Lender

Name	REGIONS BK
Type	Bank
Address	1010 GERVAIS ST # 2ND, COLUMBIA, SC 29201-3130

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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	$3,137.00 (+5.27%) Homeowner's exemption	$215,778 (+5.99%)	$259,008 (-0.53%) Land $52,000 Building $207,008
2023	$2,980.00 (+1.09%) Homeowner's exemption	$203,589 (+3%)	$260,380 (+2.15%) Land $44,500 Building $215,880
2022	$2,948.00 Homeowner's exemption	$197,660	$254,894 Land $45,500 Building $209,394

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 35 individual NFIP policies nearby
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	6 (2009–2023)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Oct 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 Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 617 per year
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.

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

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
AT&T	DSL	100 / 20

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

Mobile Coverage

5G and 4G LTE (outdoors only)

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