12 Cherokee Ct E, Palm Coast, FL 32137 Property Records

Flagler County property record for 12 Cherokee Ct E, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,352 sqft · built 1982
Lot Size	0.282 acres (12,320 sqft)
Owner	Individual Name on Record
Last Sale	$643,000 (Mar 2006)
Tax Bill	$9,966 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07-11-31-7015-00030-2300`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7015-00030-2300`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,352 sqft Heated Area
Gross Area	3,284 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,320 sqft (0.282 acres)
Lot Dimensions	154 ft deep x 80 ft wide
Driveway	Driveway
Driveway Area	640 sqft
Pool Type	Enclosed Pool
Pool Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	12 CHEROKEE CT E
City	PALM COAST
State	FL
Zip	32137-8938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PC SEC 15 BLK 3 LT 230 OR 128 PG 613 OR 177 PG 104 OR 259 PG 238 OR 666 PG 223 OR 686 PG 1982 OR 1407 PG 1129
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST SEC 15
Legal Block	3
Legal Lot Number	230
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	2
Census Block	2002
Census Tract	60105

Owner

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	12 CHEROKEE CT E, PALM COAST, FL 32137-8938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2006 · Amount on Record
Deed Sale	Mar 17, 2006 · Amount on Record
Prior Sale	Mar 14, 2000
Deed Document Number	2006013782
Deed Book / Page	1407 / 1129
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	12 CHEROKEE CT E, PALM COAST, FL 32137-8938
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 CHEROKEE CT E, PALM COAST, FL 32137-8938

Mortgage

Document Number	0027171298
Date	Aug 26, 2022
Book Page	2717/1298
Instrument	2022043395

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 26, 2032

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 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	$9,966.00 (+13.08%)	$616,835 (+4.98%) Land $293,707 Building $323,128	$616,835 (+4.98%) Land $293,707 Building $323,128
2023	$8,813.00 (+6.63%)	$587,581 (+8.65%) Land $293,707 Building $293,874	$587,581 (+8.65%) Land $293,707 Building $293,874
2022	$8,265.00	$540,817 Land $297,700 Building $243,117	$540,817 Land $297,700 Building $243,117

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 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 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	Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 5 claims Hurricane Matthew, Oct 2016 · 11 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% 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 281 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20