81 Bruce Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 81 Bruce Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,474 sqft · built 1987
Lot Size	0.408 acres (17,772 sqft)
Owner	2 Individual Names on File
Last Sale	$69,000 (May 2012)
Tax Bill	$1,566 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7013-00170-0010`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7013-00170-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,474 sqft Living Area
Gross Area	2,104 sqft
1st Floor Area	1,474 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1992
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,772 sqft (0.408 acres)
Driveway	Concrete Driveway
Driveway Area	400 sqft
Pool Area	180 sqft
Porch	Enclosed Porch
Patio Area	572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	81 BRUCE LN
City	PALM COAST
State	FL
Zip	32137-8714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 13 BLOCK 00017 LOT 0001 SUBDIVISION COMPLETION YEAR 1980 OR 302 PG 82 OR 312 PG 21 OR 903 PG 704 OR 943 PG 1018 OR 1162 PG 791 OR 1869/56
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	17
Legal Lot Number	1
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2008
Census Tract	60220

Owner

Source: Flagler County records · APN 07-11-31-7013-00170-0010

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 Record	2 Individual Names on File
Mailing Address	81 BRUCE LN, PALM COAST, FL 32137-8714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2012 · Amount on Record
Deed Sale	May 10, 2012 · Amount on Record
Prior Sale	Mar 04, 2003 · Amount on Record
Deed Document Number	201214284
Deed Book / Page	1869 / 56
Prior Transfer Date	Oct 27, 2004
Prior Transfer Doc	0011620791
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	81 BRUCE LN, PALM COAST, FL 32137-8714
Transaction Type	Mortgage
Record Updated	Sep 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 BRUCE LN, PALM COAST, FL 32137-8714

Mortgage

Document Number	0025961748
Date	Aug 19, 2021
Book Page	2596/1748
Instrument	2021045600

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 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	$1,566.00 (+3.03%) Homeowner's exemption	$129,324 (+5.99%)	$224,355 (-0.09%) Land $57,750 Building $166,605
2024	$1,520.00 (+3.47%)
2023	$1,469.00 (+1.94%) Homeowner's exemption	$122,018 (+3%)	$224,565 (+2.65%) Land $47,775 Building $176,790
2022	$1,441.00 Homeowner's exemption	$118,464	$218,765 Land $47,250 Building $171,515

Flood & Wildfire

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

Flood

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

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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.

Drinking Water

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

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 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.