81 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 81 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,511 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Dec 2021)
Tax Bill	$4,678 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00370-0100`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00370-0100`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,511 sqft Heated Area
Gross Area	2,160 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2009
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	81 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 10
Legal Subdivision	PALM COAST
Legal Block	37
Legal Lot Number	10
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

Source: Flagler County records · APN 07-11-31-7057-00370-0100

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	81 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Sep 15, 2008 · Amount on Record
Deed Document Number	2021069995
Deed Book / Page	2641 / 852
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 27, 2021
Property Address	81 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0026410852
Book / Page	2641 / 852
Map Reference	MB 17 PG 12-28
Instrument Date	Dec 13, 2021
Instrument	2021069995
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 COLUMBUS CT, PALM COAST, FL 32137-8332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	81 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number	0002641854
Date	Dec 27, 2021
Instrument	2641/854

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

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	$4,678.00 (-2.52%)	$257,416 (-0.63%) Land $52,000 Building $205,416	$257,416 (-0.63%) Land $52,000 Building $205,416
2023	$4,799.00 (+1.42%)	$259,051 (+4.17%) Land $44,500 Building $214,551	$259,051 (+4.17%) Land $44,500 Building $214,551
2022	$4,732.00	$248,678 Land $45,500 Building $203,178	$248,678 Land $45,500 Building $203,178

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 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

Wildfire

Wildfire Risk	Moderate above 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Based on FCC filings for 189 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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.