Flagler County property record for 97 Universal Trl, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,650 sqft · built 2005 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $93,000 (Dec 2010) |
| Tax Bill | $979 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7057-00370-0150 |
| Primary APN | 07-11-31-7057-00370-0150 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,650 sqft Heated Area |
| Gross Area | 2,428 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 448 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97 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 15 OR 553 PG 1539 OR 766 PG 1489 OR 772 PG 1633 OR 1135 PG 205-CD OR 1135 PG 206 OR 1326/1331 OR |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 37 |
| Legal Lot Number | 15 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 60208 |
The current owner of 97 Universal Trl bought it in December 2010.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 97 UNIVERSAL TRL, PALM COAST, FL 32164-5712 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2010 · Amount on File |
| Deed Sale | Dec 20, 2010 · Amount on File |
| Prior Sale | Sep 29, 2005 · Amount on File |
| Deed Document Number | 2010034091 |
| Deed Book / Page | 1797 / 0701 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 97 Universal Trl was $979 with exemptions applied.
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 | $979.00 Homeowner's exemption Additional exemption filed | $132,323 | $240,697 Land $52,000 Building $188,697 |
| 2023 | $892.00 (+5.56%) Homeowner's exemption Additional exemption filed | $124,849 (+3%) | $243,930 (+1.07%) Land $44,500 Building $199,430 |
| 2022 | $845.00 Homeowner's exemption Additional exemption filed | $121,212 | $241,340 Land $45,500 Building $195,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Universal Trl in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2009.
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 |
|
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 Universal Trl is moderate, ranking above 52% of the US, with a 0.1% annual chance of 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.
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 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.
5G (outdoors only) and 4G LTE
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