Flagler County property record for 10 Spring St, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,888 sqft · built 2023 |
| Lot Size | 0.143 acres (6,251 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,960 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-31-2755-00000-1930 |
| Primary APN | 05-12-31-2755-00000-1930 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,888 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Stucco |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,251 sqft (0.143 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 10 SPRING ST |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-0012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE GABLES AT TOWN CENTER MB 40 PG 20 LOT 193 |
| Legal Subdivision | TOWN CENTER |
| Legal Lot Number | 193 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 60213 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Apr 20, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 6, 2022 | Warranty Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2023 |
| Deed Sale | Apr 20, 2023 |
| Deed Document Number | 2023016248 |
| Deed Book / Page | 2773 / 87 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Document Number | 0027940483 |
|---|---|
| Date | Jul 6, 2023 |
| Book Page | 2794/483 |
| Instrument | 2023028960 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 20, 2023 |
| Property Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Document Number | 0027730087 |
| Book / Page | 2773 / 87 |
| Map Reference | MB 40 PG 20-25 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023016248 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 290490, PORT ORANGE, FL 32129-0490 |
| Name | Verified Name |
|---|---|
| Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Document Number | 0000277388 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2773/88 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 6, 2022 |
| Property Address | 10 SPRING ST, PALM COAST, FL 32164-0012 |
| Document Number | 0027021712 |
| Book / Page | 2702 / 1712 |
| Map Reference | MB 40 PG 20-25 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 2022034355 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $434.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 290490, PORT ORANGE, FL 32129-0490 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 290490, PORT ORANGE, FL 32129-0490 |
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 | $5,960.00 (+397.5%) Homeowner's exemption | $371,087 (+634.83%) Land $56,500 Building $314,587 | $371,087 (+634.83%) Land $56,500 Building $314,587 |
| 2023 | $1,198.00 (-2.84%) | $50,500 (+62.9%) Land $50,500 | $50,500 (+62.9%) Land $50,500 |
| 2022 | $1,233.00 | $31,000 Land $31,000 | $31,000 Land $31,000 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 23 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 23 in force |
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 | Moderate above 68% of the US · above 48% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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