Flagler County property record for 91 Covington Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,800 sqft · built 1992 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $465,000 (Dec 2020) |
| Tax Bill | $4,004 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Aug 2020 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7016-00100-0960 |
| Primary APN | 07-11-31-7016-00100-0960 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Heated Area |
| Gross Area | 2,500 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Driveway | Driveway |
| Driveway Area | 462 sqft |
| Pool Type | Enclosed Pool |
| Pool Area | 234 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 91 COVINGTON LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9082 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 16 BLOCK 00010 LOT 0096 SUBDIVISION COMPLETION YEAR 1980 OR 223 PG 568, OR 308 PG 233 OR 485 PG 806 (RMDRM |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 10 |
| Legal Lot Number | 96 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 60104 |
Source: Flagler County records, as of December 22, 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 91 COVINGTON LN, PALM COAST, FL 32137-9082 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU |
| Aug 24, 2020 | Warranty Deed, Transfer AGENT'S CHOICE TITLE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 10, 2020 · Amount on Record |
| Deed Sale | Dec 10, 2020 · Amount on Record |
| Prior Sale | Aug 24, 2020 · Amount on Record |
| Deed Document Number | 2020051757 |
| Deed Book / Page | 2504 / 355 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 10, 2020 |
| Property Address | 91 COVINGTON LN, PALM COAST, FL 32137-9082 |
| Document Number | 0025040355 |
| Book / Page | 2504 / 355 |
| Map Reference | MB 6 PG 81-86 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 2020051757 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | AGENTS CHOICE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 PAUL TER, 3940, FREMONT, CA 94538-4963 |
| Name | Verified Name |
|---|---|
| Address | 91 COVINGTON LN, PALM COAST, FL 32137-9082 |
| Document Number | 0002504356 |
|---|---|
| Date | Dec 10, 2020 |
| Instrument | 2504/356 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 24, 2020 |
| Property Address | 91 COVINGTON LN, PALM COAST, FL 32137-9082 |
| Document Number | 0024700871 |
| Book / Page | 002470 / 000871 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 33169 |
| Transaction Type | Transfer |
| Record Updated | Sep 16, 2020 |
| Title Company | AGENT'S CHOICE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,285.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3940 PAUL TER FREMONT CA 945384963, FREMONT, CA 94538-4963 |
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,004.00 (+4.98%) Homeowner's exemption | $263,484 (+5.99%) | $388,215 (+3.09%) Land $117,000 Building $271,215 |
| 2023 | $3,814.00 (+0.9%) Homeowner's exemption | $248,600 (+3%) | $376,562 (+0.66%) Land $117,000 Building $259,562 |
| 2022 | $3,780.00 Homeowner's exemption | $241,359 | $374,108 Land $118,500 Building $255,608 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 183 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 183 in force |
| Nearby Flood Claims | 21 (2001–2024) |
| Claims Outside the SFHA | 18 of 21 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max 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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