76 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 76 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,880 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Feb 2021)
Tax Bill	$5,316 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00550-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00550-0120`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,880 sqft Living Area
Gross Area	3,677 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2008
Exterior Material	Wood Frame (Stucco or Asbestos)
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	729 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	76 UNIVERSAL TRL
City	PALM COAST
State	FL
Zip	32164-5703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 57 BLK 55 LOT 12 OR 505 PG 703 OR 1217 PG 652-DC OR 1217 PG 652-ACM OR 1217 PG 654 OR 1269 PG 1643 OR 1503 PG 318 OR 1542 PG 1773
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	55
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1015
Census Tract	60208

Owner

Source: Flagler County records, as of October 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 19, 2021	Warranty Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 26, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Prior Sale	Feb 15, 2007 · Amount on Record
Deed Document Number	20218726
Deed Book / Page	2528 / 1611
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703

Mortgage

Document Number	0026261317
Date	Nov 10, 2021
Book Page	2626/1317
Instrument	2021062072

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 19, 2021
Property Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0025281611
Book / Page	2528 / 1611
Map Reference	MB 17 PG 12-28
Instrument Date	Feb 15, 2021
Instrument	2021008726
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	HILCOAST TITLE INSURANCE AGENCY INC, COAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11353 SW MOUNTAIN ASH CIR, PORT SAINT LUCIE, FL 34987-2491

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703

Mortgage

Document Number	0025281613
Date	Feb 19, 2021
Instrument	2528/1613

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 26, 2019
Property Address	76 UNIVERSAL TRL, PALM COAST, FL 32164-5703
Document Number	0023861319
Book / Page	002386 / 001319
Instrument Date	Sep 18, 2019
Instrument	35716
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	COAST TITLE, COAST TITLE INS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,924.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 UNIVERSAL TRL PALM COAST FL 321645703, PALM COAST, FL 32164-5703

Mortgage

Document Number	23861320
Date	Sep 26, 2019
Book Page	002386/001320
Instrument	35717

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

Tax Assessment & Valuation

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	$5,316.00 (-3.66%) Homeowner's exemption	$335,652 (-1.45%) Land $52,000 Building $283,652	$335,652 (-1.45%) Land $52,000 Building $283,652
2023	$5,518.00 (+0.22%) Homeowner's exemption	$340,589 (+2.56%) Land $44,500 Building $296,089	$340,589 (+2.56%) Land $44,500 Building $296,089
2022	$5,506.00 Homeowner's exemption	$332,072 Land $45,500 Building $286,572	$332,072 Land $45,500 Building $286,572

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 35 policies
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 Event	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 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	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Universal Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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