Flagler County property record for 10 Cold Spring Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,908 sqft · built 2022 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $122,000 (Feb 2021) |
| Tax Bill | $8,374 (2025) |
| Deeds & Mortgages | Jul 2021 Construction Loan Feb 2021 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7004-00250-0320 |
| Primary APN | 07-11-31-7004-00250-0320 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,908 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Width | 70 ft Width |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10 COLD SPRING CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 04 BLOCK 00025 LOT 0032 SUBDIVISION COMPLETION YEAR 1978 OR 116 PG 571 OR 168 PG 104 OR 255 PG 392 OR 442 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 25 |
| Legal Lot Number | 32 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60105 |
Source: Flagler County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2021 | Deed of Trust, Mortgage · Construction Mortgage TRUIST BANK |
| Feb 11, 2021 | Warranty Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 11, 2021 · Amount on Record |
| Deed Sale | Feb 11, 2021 · Amount on Record |
| Prior Sale | Dec 1, 2000 · Amount on Record |
| Deed Document Number | 2021007083 |
| Deed Book / Page | 2525 / 1695 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 10 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Title Company | AVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 98 RIVERS EDGE LN, PALM COAST, FL 32137-4512 |
| Document Number | 0025870091 |
|---|---|
| Date | Jul 22, 2021 |
| Book Page | 2587/91 |
| Instrument | 2021040217 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Feb 11, 2021 |
| Property Address | 10 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0025251695 |
| Book / Page | 2525 / 1695 |
| Map Reference | MB 6 PG 9-13 |
| Instrument Date | Feb 3, 2021 |
| Instrument | 2021007083 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2024 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $854.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 KEITH DAVID DR, MILLBURY, MA 01527-3368 |
| Name | Verified Name |
|---|---|
| Address | 98 RIVERS EDGE LN, PALM COAST, FL 32137-4512 |
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 | $8,374.00 (+5.45%) Homeowner's exemption | $503,946 (+6.92%) Land $157,500 Building $346,446 | $503,946 (+6.92%) Land $157,500 Building $346,446 |
| 2023 | $7,941.00 (+164.96%) Homeowner's exemption | $471,352 (+199.27%) Land $157,500 Building $313,852 | $471,352 (+199.27%) Land $157,500 Building $313,852 |
| 2022 | $2,997.00 | $157,500 Land $157,500 | $157,500 Land $157,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 318 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 522 units insured incl. 204 condo units |
| Nearby Flood Claims | 7 (2001–2024) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Oct 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.
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 | 0.02% annual chance |
| Exposure | Indirect within 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 361 locations within half a mile, as of December 31, 2025
| Provider | Max 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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