Flagler County property record for 1 Cottagegate Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,169 sqft · built 1988 |
| Lot Size | 0.255 acres (11,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Jun 2016) |
| Tax Bill | $4,859 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7014-00020-0870 |
| Primary APN | 07-11-31-7014-00020-0870 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,169 sqft Heated Area |
| Gross Area | 2,729 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Tile |
| Lot Area | 11,120 sqft (0.255 acres) |
| Lot Dimensions | 139 ft deep x 80 ft wide |
| Driveway | Driveway |
| Driveway Area | 360 sqft |
| Pool Type | Enclosed Pool |
| Pool Area | 450 sqft |
| Patio Area | 126 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 1 COTTAGEGATE CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8964 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 14 BL 2 LT 87 OR 133 PG 144 OR 681 PG 10 OR 2137/1950 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 2 |
| Legal Lot Number | 87 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 60105 |
1 Cottagegate Ct is owned and occupied by two individuals who bought it in June 2016.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1 COTTAGEGATE CT, PALM COAST, FL 32137-8964 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Feb 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2016 · Amount on File |
| Deed Sale | Jun 22, 2016 · Amount on File |
| Prior Sale | Jan 21, 2000 · Amount on File |
| Deed Document Number | 2016019744 |
| Deed Book / Page | 2137 / 1950 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1 COTTAGEGATE CT, PALM COAST, FL 32137-8964 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0024761127 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 2476/1127 |
| Instrument | 2020036664 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 1 COTTAGEGATE CT, PALM COAST, FL 32137-8964 |
| Document Number | 0023350061 |
| Instrument Date | Feb 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1 COTTAGEGATE CT PALM COAST FL 321378964, PALM COAST, FL 32137-8964 |
| Document Number | 0023350061 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 002335/000061 |
| Instrument | 4954 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 11, 2039 |
The 2025 property tax bill for 1 Cottagegate Ct was $4,859 with a homeowner's exemption.
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 | $4,859.00 Homeowner's exemption | $310,546 | $560,669 Land $288,856 Building $271,813 |
| 2023 | $4,637.00 (+0.8%) Homeowner's exemption | $293,004 (+3%) | $559,182 (+2.54%) Land $288,856 Building $270,326 |
| 2022 | $4,600.00 Homeowner's exemption | $284,470 | $545,339 Land $290,000 Building $255,339 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Cottagegate Ct in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 392 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 418 units insured incl. 26 condo units |
| Nearby Flood Claims | 35 (1987–2022) |
| Claims Outside the SFHA | 22 of 35 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| 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 1 Cottagegate Ct 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 80% of the US · lower than 93% 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 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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