Flagler County property record for 14 Cold Spring Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,346 sqft · built 2021 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (Oct 2018) |
| Tax Bill | $11,081 (2025) |
| Deeds & Mortgages | Dec 2019 Construction Loan Jun 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7004-00250-0310 |
| Primary APN | 07-11-31-7004-00250-0310 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,346 sqft Living Area |
| 1st Floor Area | 2,346 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Concrete |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Width | 70 ft Width |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 14 COLD SPRING CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 4 BL 25 LT 31 OR 127 PG 62 OR 285 PG 363 OR 285 PG 922 OR 652 PG 1245 OR 1040 PG 1670 OR 1490 PG 911 OR 1935/19 OR 2313/667 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 25 |
| Legal Lot Number | 31 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60105 |
14 Cold Spring Ct is owned and occupied by two individuals who bought it in October 2018.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| 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 |
|---|---|
| Dec 13, 2019 | Deed of Trust, Mortgage · Construction Mortgage AMERIS BANK |
| Jun 28, 2019 | Loan Modification, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Oct 19, 2018 | Grant Deed, Transfer GIBRALTAR TITLE COMPANY |
| Dec 8, 2017 | Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on File |
| Deed Sale | Oct 19, 2018 · Amount on File |
| Prior Sale | Oct 2, 2006 · Amount on File |
| Deed Document Number | 201839563 |
| Deed Book / Page | 2313 / 667 |
| Prior Transfer Date | Mar 22, 2013 |
| Prior Transfer Doc | 0019350019 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 14 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024051151 |
|---|---|
| Date | Dec 13, 2019 |
| Book Page | 2405/1151 |
| Instrument | 2019046507 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2026 |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 14 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0023710211 |
| Instrument Date | Jun 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2019 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2647 ANNETTE ST FLAGLER BEACH FL 321364069, FLAGLER BEACH, FL 32136-4069 |
| Document Number | 0023710211 |
|---|---|
| Date | Jul 23, 2019 |
| Book Page | 002371/000211 |
| Instrument | 26881 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 19, 2018 |
| Property Address | 14 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0023130667 |
| Book / Page | 002313 / 000667 |
| Instrument Date | Oct 11, 2018 |
| Instrument | 39563 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2018 |
| Title Company | GIBRALTAR TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $560.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2560 DARK OAK CT OVIEDO FL 327667053, OVIEDO, FL 32766-7053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 14 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0022480291 |
| Book / Page | 002248 / 000291 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2657 ANNETTE ST FLAGLER BEACH FL 321364069, FLAGLER BEACH, FL 32136-4069 |
| Document Number | 0022480291 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 002248/000291 |
| Instrument | 44174 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.72% |
The 2025 property tax bill for 14 Cold Spring Ct was $11,081 with a homeowner's exemption, down 1.9% from the year before.
Source: Flagler County assessment roll, as of December 8, 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 | $11,081.00 (-1.89%) Homeowner's exemption | $652,859 Land $157,500 Building $495,359 | $652,859 Land $157,500 Building $495,359 |
| 2024 | $11,295.00 (+1.26%) | ||
| 2023 | $11,154.00 (+0.5%) Homeowner's exemption | $644,788 (+3%) | $647,044 (+1.87%) Land $157,500 Building $489,544 |
| 2022 | $11,099.00 Homeowner's exemption | $626,008 | $635,162 Land $157,500 Building $477,662 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Cold Spring Ct in Zone X, an area of moderate 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 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 File 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.
Wildfire risk around 14 Cold Spring Ct is low, with a 0.02% 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 | 0.02% 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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