91 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 91 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,271 sqft · built 2006
Lot Size	0.548 acres (23,914 sqft)
Owner	2 Owner Names on File
Last Sale	$435,000 (Dec 2004)
Tax Bill	$8,583 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2835-00000-0090`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2835-00000-0090`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	3,271 sqft Heated Area
Gross Area	4,735 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,914 sqft (0.548 acres)
Lot Width	80 ft Width

Exterior Amenities

Pool Type	Enclosed Pool
Pool Area	360 sqft
Deck Area	484 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	91 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1459
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET PHASE V LOT 9 OR 693 PG 819 OR 710 PG 1668 OR 1055 PG 375 OR 1180 PG 769
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET PHASE V
Legal Phase	5
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4004
Census Tract	60301

Owner

The current owner of 91 Front St bought it in December 2004.

Source: Flagler County records, as of December 22, 2025

Owner of Record	2 Owner Names on File
Mailing Address	91 FRONT ST, PALM COAST, FL 32137-1459
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2004 · Amount on File
Deed Sale	Dec 17, 2004 · Amount on File
Deed Document Number	2004070030
Deed Book / Page	1180 / 0769
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	91 FRONT ST, PALM COAST, FL 32137-1459
Document Number	0024331949
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	91 FRONT ST PALM COAST PALM COAST FL 32137, PALM COAST, FL 32137

Mortgage

Document Number	0024331949
Date	Apr 7, 2020
Book Page	002433/001949
Instrument	13805

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 91 Front St was $8,583 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 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	$8,583.00 Homeowner's exemption	$515,434	$953,726 Land $312,000 Building $641,726
2023	$10,948.00 (+3.4%) Homeowner's exemption	$486,318 (+3%)	$958,329 (+19.2%) Land $312,000 Building $646,329
2022	$10,588.00 Homeowner's exemption	$472,153	$803,935 Land $298,800 Building $505,135

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

Flood

FEMA maps place 91 Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2012 · other causes

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 91 Front St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20