99 Universal Trl, Palm Coast, FL 32164 Property Records

Flagler County property record for 99 Universal Trl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,325 sqft · built 2010
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Aug 2020)
Tax Bill	$4,560 (2025)
Deeds & Mortgages	Aug 2020 Sale Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7057-00370-0160`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7057-00370-0160`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,325 sqft Living Area
Gross Area	3,296 sqft
1st Floor Area	2,325 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	540 sqft
Pool Area	406 sqft
Deck Area	686 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	99 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 16 OR 222 PG 198 OR 351 PG 590 OR 553 PG 1539 OR 579 PG 767 OR 1171 PG 909 OR 1188 PG 1574 OR 1395/408 OR 1808/799 OR 2264/1032-CD OR 2264/1033 OR 2467/720
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	37
Legal Lot Number	16
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1017
Census Tract	60208

Owner

99 Universal Trl is owned and occupied by an individual who bought it in August 2020.

Source: Flagler County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	99 UNIVERSAL TRL, PALM COAST, FL 32164-5712
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Warranty Deed, Transfer VETERANS TITLE INC
Mar 9, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG
Mar 9, 2018	Quit Claim Deed, Subdivision Related Transfer TRULY YOURS TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Aug 13, 2020 · Amount on File
Deed Document Number	202031567
Deed Book / Page	2467 / 720
Prior Transfer Date	Mar 7, 2018
Prior Transfer Doc	0022641033
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 13, 2020
Property Address	99 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0024670720
Book / Page	002467 / 000720
Instrument Date	Jul 29, 2020
Instrument	31567
Transaction Type	Transfer
Record Updated	Sep 16, 2020
Title Company	VETERANS TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 UNIVERSAL TRL PALM COAST FL 321645712, PALM COAST, FL 32164-5712

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 9, 2018
Property Address	99 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0022641033
Book / Page	002264 / 001033
Instrument Date	Mar 7, 2018
Instrument	8668
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 UNIVERSAL TRL PALM COAST FL 321645712, PALM COAST, FL 32164-5712

Mortgage

Document Number	22641035
Date	Mar 9, 2018
Book Page	002264/001035
Instrument	8669

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2048

March 2018: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 9, 2018
Property Address	99 UNIVERSAL TRL, PALM COAST, FL 32164-5712
Document Number	0022641032
Book / Page	002264 / 001032
Instrument Date	Mar 7, 2018
Instrument	8667
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 22, 2018
Title Company	TRULY YOURS TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 UNIVERSAL TRL PALM COAST FL 321645712, PALM COAST, FL 32164-5712

Tax Assessment & Valuation

The 2025 property tax bill for 99 Universal Trl was $4,560 with a homeowner's exemption, up 2.4% 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	$4,560.00 (+2.38%) Homeowner's exemption	$294,074	$365,747 Land $52,000 Building $313,747
2024	$4,454.00 (+2.41%)
2023	$4,349.00 (+0.83%) Homeowner's exemption	$277,463 (+3%)	$360,063 (+4.39%) Land $44,500 Building $315,563
2022	$4,313.00 Homeowner's exemption	$269,382	$344,906 Land $45,500 Building $299,406

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

Flood

FEMA maps place 99 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	Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 2 claims

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 99 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Universal Trl

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