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82 Covington Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 82 Covington Ln, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,012 sqft · built 1997
Lot Size2.25 acres (98,010 sqft)
Owner2 Individual Names on File
Last Sale$325,000 (Feb 2018)
Tax Bill$4,758 (2025)
Deeds & MortgagesJan 2021 Mortgage
Jun 2018 Line of Credit
+ 1 more
Flood ZoneZone AE (high risk)
APN07-11-31-7016-00110-0390

Property Details

APN / Parcel Number

Primary APN07-11-31-7016-00110-0390

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area2,012 sqft Living Area
Gross Area2,916 sqft
1st Floor Area2,012 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2002
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area98,010 sqft (2.25 acres)
DrivewayConcrete Driveway
Driveway Area1,104 sqft
Pool Area516 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address82 COVINGTON LN
CityPALM COAST
StateFL
Zip32137-9015
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 16 BL 11 LT 39 OR 180 PG 675 OR 309 PG 89 OR 463 PG 1136 OR 479 PG 60 OR 531 PG 806 OR 579 PG 687 & 2.03 AC LYING N OF SAID LOT EXTENDING TO LONGS CREEK BASIN OR 589 PG 1351 OR 719 PG 1889 OR 1746 PG 727-QC OR 1750/1223 1774/1174 OR 17
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block11
Legal Lot Number39
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group2
Census Block2001
Census Tract60104

Owner

82 Covington Ln is owned and occupied by two individuals who bought it in February 2018.

Source: Flagler County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address82 COVINGTON LN, PALM COAST, FL 32137-9015
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jan 20, 2021Deed of Trust, Mortgage · VA Mortgage
FBC MORTGAGE LLC
Jun 28, 2018Deed of Trust, Mortgage · Line of Credit
TD BANK NA
Feb 8, 2018Warranty Deed, Transfer
COAST TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 8, 2018 · Amount on File
Deed SaleFeb 8, 2018 · Amount on File
Prior SaleApr 4, 1997 · Amount on File
Deed Document Number20185017
Deed Book / Page2258 / 1429
Prior Transfer DateJun 30, 2010
Prior Transfer Doc0017741174
Record UpdatedJun 8, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address82 COVINGTON LN, PALM COAST, FL 32137-9015
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFAULKNER COUNTY ABSTRACT COMPANY, FLAGLER COUNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address82 COVINGTON LN, PALM COAST, FL 32137-9015

Mortgage

Document Number0025170553
DateJan 20, 2021
Book Page2517/553
Instrument2021002807
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

June 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address82 COVINGTON LN, PALM COAST, FL 32137-9015
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0022890416
DateJun 28, 2018
Book Page2289/0416
Instrument2018024113
Lender
NameTD BANK NA
TypeBank
AddressPORTLAND, ME 04101
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueJun 6, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateFeb 8, 2018
Property Address82 COVINGTON LN, PALM COAST, FL 32137-9015
Document Number0022581429
Book / Page002258 / 001429
Instrument DateJan 26, 2018
Instrument5017
Transaction TypeTransfer
Record UpdatedFeb 20, 2018
Title CompanyCOAST TITLE

Transaction

AmountAmount on Record
Tax$2,275.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address82 COVINGTON LN PALM COAST FL 321379015, PALM COAST, FL 32137-9015

Tax Assessment & Valuation

The 2025 property tax bill for 82 Covington Ln was $4,758 with a homeowner's exemption, up 2.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,758.00 (+2.37%) Homeowner's exemption$304,962$421,054 Land $105,000 Building $316,054
2024$4,648.00 (+2.4%)
2023$4,539.00 (+0.8%) Homeowner's exemption$287,736 (+3%)$384,671 (-1.77%) Land $90,000 Building $294,671
2022$4,503.00 Homeowner's exemption$279,355$391,608 Land $102,000 Building $289,608

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 82 Covington Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 183 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies183 in force
Nearby Flood Claims21 (2001–2024)
Claims Outside the SFHA18 of 21
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Matthew, Oct 2016 · 9 claims
  • Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 3 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

Wildfire risk around 82 Covington Ln is high, ranking above 79% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 79% of the US · above 67% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 257 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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