98 Front St, Palm Coast, FL 32137 Property Records

Flagler County property record for 98 Front St, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,526 sqft · built 2014
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Nov 2024)
Tax Bill	$10,642 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-11-31-2832-00000-0890`

Property Details

APN / Parcel Number

Primary APN	`15-11-31-2832-00000-0890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,526 sqft Living Area
Gross Area	3,555 sqft
1st Floor Area	2,526 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
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	320 sqft
Pool Area	200 sqft
Deck Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	98 FRONT ST
City	PALM COAST
State	FL
Zip	32137-1451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRONT STREET PHASE II LOT 89 OR 692 PG 1013 OR 919 PG 1259 OR 1240 PG 504 OR 1419 PG 682 OR 1752/1791 OR 1815/1612 OR 1895/31 OR 2083/585-RDMAN JORDAN DOUGLAS & GEORGE B DOUGLAS
Legal Range	31E
Legal Township	11S
Legal Section	15
Legal Subdivision	FRONT STREET PHASE II
Legal Phase	2
Legal Lot Number	89
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	4
Census Block	4010
Census Tract	60301

Owner

98 Front St is owned by two individuals who bought it in November 2024.

Source: Flagler County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1180 LAUREL PL NE, ALBUQUERQUE, NM 87122-1182
Owner Type	Individual
Vesting	Life Estate

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	Nov 5, 2024 · Amount on File
Deed Sale	Nov 5, 2024 · Amount on File
Prior Sale	Sep 26, 2012 · Amount on File
Deed Document Number	202446617
Deed Book / Page	2913 / 966
Prior Transfer Date	Nov 4, 2024
Prior Transfer Doc	0029130966
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	98 FRONT ST, PALM COAST, FL 32137-1451
Document Number	0022721219
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 FRONT ST PALM COAST FL 321371451, PALM COAST, FL 32137-1451

Mortgage

Document Number	0022721219
Date	Apr 17, 2018
Book Page	002272/001219
Instrument	13814

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 98 Front St was $10,642, up 10.7% from the year before.

Source: Flagler County assessment roll, as of December 8, 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	$10,642.00 (+10.73%)	$628,737 Land $135,500 Building $493,237	$628,737 Land $135,500 Building $493,237
2024	$9,611.00 (+3.76%)
2023	$9,263.00 (+3.97%) Homeowner's exemption	$395,402 (+3%)	$594,869 (+16.33%) Land $125,000 Building $469,869
2022	$8,909.00 Homeowner's exemption	$383,885	$511,350 Land $130,000 Building $381,350

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 98 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 98 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