85 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 85 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,832 sqft · built 2025
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$353,746 (Apr 2025)
Tax Bill	$945 (2025)
Deeds & Mortgages	Jun 2025 Transfer Apr 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00370-0110`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00370-0110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,832 sqft Living Area
1st Floor Area	1,832 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85 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 11 OR 553 PG 1539 OR 1212 PG 879
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	37
Legal Lot Number	11
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

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

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	2 Individual Names on File
Mailing Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2025	Intrafamily Transfer, Transfer
Apr 14, 2025	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage K HOVNANIAN AMERICAN MORTGAGE LLC
Jul 10, 2024	Special Warranty Deed, Transfer EASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025 · Amount on File
Deed Sale	Apr 14, 2025 · Amount on File
Prior Sale	Jul 10, 2024 · Amount on File
Deed Document Number	202515614
Deed Book / Page	2951 / 1464
Last Transfer Date	Jun 4, 2025
Transfer Doc	0029661641
Record Updated	Jun 8, 2026

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Jun 12, 2025
Property Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0029661641
Book / Page	2966 / 1641
Map Reference	MB 17 PG 12-28
Instrument Date	Jun 4, 2025
Instrument	2025024352
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 14, 2025
Property Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0029511464
Book / Page	2951 / 1464
Map Reference	MB 17 PG 12-28
Instrument Date	Apr 4, 2025
Instrument	2025015614
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025
Title Company	EASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,476.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 260, MAITLAND, FL 32751-7008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712

Mortgage

Document Number	0029511466
Date	Apr 14, 2025
Instrument	2951/1466

Lender

Name	K HOVNANIAN AMERICAN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

July 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 10, 2024
Property Address	85 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0028830517
Book / Page	2883 / 517
Map Reference	MB 17 PG 28
Instrument Date	Jun 17, 2024
Instrument	2024028629
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	EASTERN NATIONAL TITLE AGENCY FLORIDA LLC, EASTERN NATL TTL AGCY FL LLC

Transaction

Amount	Amount on Record
Tax	$399.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13908 COOLIDGE AVE, BRIARWOOD, NY 11435-1119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2301 LUCIEN WAY STE 260, 260, MAITLAND, FL 32751-7008
Investor	Possibly a Property Investor

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	$945.00 (+105.43%)	$52,000 (+16.85%) Land $52,000	$52,000 (+16.85%) Land $52,000
2024	$460.00 (+3.6%)
2023	$444.00 (+0.23%)	$44,500 (-2.2%) Land $44,500	$44,500 (-2.2%) Land $44,500
2022	$443.00	$45,500 Land $45,500	$45,500 Land $45,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 File 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 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 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 189 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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