Flagler County property record for 97 Front St, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 5.5 ba · 3,731 sqft · built 2001 |
| Lot Size | 0.548 acres (23,871 sqft) |
| Owner | Trust Name on File |
| Last Sale | $980,000 (Feb 2010) |
| Tax Bill | $17,368 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-11-31-2835-00000-0120 |
| Primary APN | 15-11-31-2835-00000-0120 |
|---|
| Full Baths | 5.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,731 sqft Living Area |
| Gross Area | 5,038 sqft |
| 1st Floor Area | 3,731 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 23,871 sqft (0.548 acres) |
| Lot Width | 80 ft Width |
| Driveway | Brick Driveway |
| Driveway Area | 400 sqft |
| Pool Area | 270 sqft |
| Deck Area | 676 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97 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 12 OR 693 PG 819 OR 709 PG 1295 OR 778 PG 1502 OR 1018 PG 1533 OR 1756/1368-STRONG TRUST OR 1852/921-50% INT M SANDRA STRONG TRUST 1852/1701 OR 1852 /1705 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 15 |
| Legal Subdivision | FRONT STREET PHASE V |
| Legal Phase | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 60301 |
97 Front St is owner-occupied and held in a trust since May 2011.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 97 FRONT ST, PALM COAST, FL 32137-1459 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 15, 2010 · Amount on File |
| Deed Sale | Feb 15, 2010 · Amount on File |
| Prior Sale | Dec 10, 2003 · Amount on File |
| Deed Document Number | 20104004 |
| Deed Book / Page | 1756 / 1368 |
| Last Transfer Date | May 31, 2011 |
| Transfer Doc | 0018521705 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 97 Front St was $17,368 with a homeowner's exemption, down 12.9% 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 | $17,368.00 (-12.87%) Homeowner's exemption | $998,821 | $1,055,080 Land $312,000 Building $743,080 |
| 2024 | $19,934.00 (+2.76%) | ||
| 2023 | $19,398.00 (+2.02%) Homeowner's exemption | $942,400 (+3%) | $1,069,491 (+16.89%) Land $312,000 Building $757,491 |
| 2022 | $19,014.00 Homeowner's exemption | $914,951 Land $298,800 Building $616,151 | $914,951 Land $298,800 Building $616,151 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 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 97 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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