Flagler County property record for 92 Front St, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,194 sqft · built 2003 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Apr 2018) |
| Tax Bill | $4,648 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-31-2832-00000-0920 |
| Primary APN | 15-11-31-2832-00000-0920 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,194 sqft Living Area |
| Gross Area | 2,885 sqft |
| 1st Floor Area | 2,194 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 7,710 sqft (0.177 acres) |
| Driveway | Brick Driveway |
| Driveway Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 92 FRONT ST |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FRONT STREET PHASE II LOT 92 OR 693 PG 819 OR 701 PG 672 OR 846 PG 6 OR 850 PG 25-CD OR 1248 PG 1020 OR 1446 PG 158 OR 2023/1003 OR 2077/1065 OR 2272/1471 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 15 |
| Legal Subdivision | FRONT STREET PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 92 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 60301 |
92 Front St is owned and occupied by two individuals who bought it in April 2018.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 92 FRONT ST, PALM COAST, FL 32137-1450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE MORTGAGE BANKERS CORP |
| Apr 17, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES LNC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2018 · Amount on File |
| Deed Sale | Apr 17, 2018 · Amount on File |
| Prior Sale | Sep 10, 2014 |
| Deed Document Number | 201813880 |
| Deed Book / Page | 2272 / 1471 |
| Prior Transfer Date | May 11, 2015 |
| Prior Transfer Doc | 0020771065 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 92 FRONT ST, PALM COAST, FL 32137-1450 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023010504 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 2301/0504 |
| Instrument | 2018031819 |
| Name | HOMEBRIDGE MORTGAGE BANKERS CORP |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | May 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 17, 2018 |
| Property Address | 92 FRONT ST, PALM COAST, FL 32137-1450 |
| Document Number | 0022721471 |
| Book / Page | 2272 / 1471 |
| Map Reference | MB30 PG96&97 |
| Instrument Date | Apr 9, 2018 |
| Instrument | 2018013880 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | COAST TITLE INS AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3100 WESTBURY LAKE DR, 3100, CHARLOTTE, NC 28269-2260 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 92 FRONT ST, PALM COAST, FL 32137-1450 |
| Document Number | 2018013881 |
|---|---|
| Date | Apr 17, 2018 |
| Instrument | 2018013881 |
| Name | HOMEBRIDGE FINANCIAL SERVICES LNC |
|---|---|
| Type | Private Party |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 92 Front St was $4,648 with a homeowner's exemption, down 37.8% from the year before.
Source: Flagler County assessment roll, as of December 8, 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 | $4,648.00 (-37.79%) Homeowner's exemption | $298,894 | $419,600 Land $135,500 Building $284,100 |
| 2024 | $7,471.00 (+4.3%) | ||
| 2023 | $7,163.00 (+5.12%) Homeowner's exemption | $282,011 (+3%) | $418,748 (+13.87%) Land $125,000 Building $293,748 |
| 2022 | $6,814.00 Homeowner's exemption | $273,797 | $367,744 Land $130,000 Building $237,744 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 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 risk around 92 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.
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 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 |
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