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1 Cold Spring Ct, Palm Coast, FL 32137 Property Records

Flagler County property record for 1 Cold Spring Ct, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,509 sqft · built 2021
Lot Size0.301 acres (13,112 sqft)
OwnerIndividual Name on Record
Last Sale$599,900 (Aug 2021)
Tax Bill$10,183 (2025)
Deeds & MortgagesOct 2026 Line of Credit
Mar 2023 Transfer
+ 3 more
Flood ZoneZone X (moderate risk)
APN07-11-31-7004-00250-0010

Property Details

APN / Parcel Number

Primary APN07-11-31-7004-00250-0010

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,509 sqft Living Area
1st Floor Area2,509 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete Stucco
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area13,112 sqft (0.301 acres)
Lot Width80 ft Width

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address1 COLD SPRING CT
CityPALM COAST
StateFL
Zip32137-8336
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SECTION 4 BL 25 LOT 1 OR 138 PG 317 OR 167 PG 307 OR 544 PG 1888(SEBASTIAN L SURIANI OR MARY G SURIANI AS TTEES OF BOTH SEBASTIAN L SURIANI REV TR & MARY G SURIANI REV TR EA 1/2 INT) OR 2099/1261-DC OR 2099/1263
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block25
Legal Lot Number1
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group1
Census Block1007
Census Tract60105

Owner

Source: Flagler County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2026Deed of Trust, Mortgage · Line of Credit
VYSTAR CREDIT UNION
Mar 16, 2023Intrafamily Transfer, Transfer
ALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC
Aug 9, 2021Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
HIGHLANDS RESIDENTIAL MORTGAGE LTD
Dec 28, 2020Deed of Trust, Mortgage
STEEL CITY TITLE INC, STEEL CTY TITLE INC
Nov 3, 2020Warranty Deed, Transfer
STEEL CITY TITLE INC, STEEL CTY TITLE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 9, 2021 · Amount on Record
Deed SaleAug 9, 2021 · Amount on Record
Prior SaleNov 3, 2020 · Amount on Record
Deed Document Number202143596
Deed Book / Page2593 / 401
Last Transfer DateMar 15, 2023
Transfer Doc0027631436
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Recording DateOct 10, 2026
Property Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0000041436
Book / Page3094 / 160
Instrument DateOct 5, 2026
Instrument202641436
Transaction TypeMortgage
Record UpdatedOct 21, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
InvestorPossibly a Property Investor

Mortgage

Document Number0000041436,
DateOct 10, 2026
Book Page3094/160
Instrument202641436
Lender
NameVYSTAR CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueNov 1, 2036
Interest
Rate TypeBalloon
Initial TypeBalloon
Max Rate-1%

March 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFLAGLER FL
Recording DateMar 16, 2023
Property Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0027631436
Book / Page2763 / 1436
Map ReferenceMB 35 PG 528
Instrument DateMar 13, 2023
Instrument2023010361
Transaction TypeTransfer
Record UpdatedMar 30, 2023
Title CompanyALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1 COLD SPRING CT, PALM COAST, FL 32137-8336

Transferred To (Grantee/Buyer)

NameVerified Name
Address1 COLD SPRING CT, PALM COAST, FL 32137-8336

August 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionFLAGLER FL
Recording DateAug 9, 2021
Property Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0025930401
Book / Page2593 / 401
Map ReferenceMB 6 PG 13
Instrument DateJul 28, 2021
Instrument2021043596
Transaction TypeSubdivision Related Transfer
Record UpdatedMar 6, 2023
Title CompanySTEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,199.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5220 SHAD RD STE 202, 202, JACKSONVILLE, FL 32257-2008

Transferred To (Grantee/Buyer)

NameVerified Name
Address1 COLD SPRING CT, PALM COAST, FL 32137-8336

Mortgage

Document Number0002593402
DateAug 9, 2021
Instrument2593/402
Lender
NameHIGHLANDS RESIDENTIAL MORTGAGE LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0025101502
Instrument DateDec 28, 2020
Transaction TypeMortgage
Record UpdatedJan 20, 2021
Title CompanySTEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1383 ROUTE 30 CLINTON PA 150261743, CLINTON, PA 15026-1743
InvestorPossibly a Property Investor

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateNov 3, 2020
Property Address1 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0024920258
Book / Page002492 / 000258
Instrument DateOct 23, 2020
Instrument45400
Transaction TypeTransfer
Record UpdatedNov 12, 2020
Title CompanySTEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

AmountAmount Recorded
Tax$641.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address5220 SHAD RD #202 JACKSONVILLE FL 322572008, 202, JACKSONVILLE, FL 32257-2008
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,183.00 (+2.22%) Homeowner's exemption$603,447 (+6.3%)$627,363 (+1.5%) Land $201,125 Building $426,238
2024$9,962.00 (+2.43%)
2023$9,726.00 (+2.26%) Homeowner's exemption$567,693 (+4.64%)$618,116 (+1.77%) Land $201,125 Building $416,991
2022$9,511.00 Homeowner's exemption$542,537$607,349 Land $201,625 Building $405,724

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 318 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies522 units insured
incl. 204 condo units
Nearby Flood Claims7 (2001–2024)
Claims Outside the SFHA3 of 7
Most Recent ClaimOct 2024 · Hurricane Milton

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within 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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 361 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber · DSL		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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