14 Spring St, Palm Coast, FL 32164 Property Records

Flagler County property record for 14 Spring St, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 2023
Lot Size	0.143 acres (6,233 sqft)
Owner	Individual Name on File
Last Sale	$460,500 (May 2023)
Tax Bill	$1,729 (2025)
Deeds & Mortgages	Sep 2023 Reverse Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-12-31-2755-00000-1910`

Property Details

APN / Parcel Number

Primary APN	`05-12-31-2755-00000-1910`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,144 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,233 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	14 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 191
Legal Subdivision	TOWN CENTER
Legal Lot Number	191
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3003
Census Tract	60213

Owner

14 Spring St is owned and occupied by an individual who bought it in May 2023.

Source: Flagler County records, as of December 22, 2025

Owner of Record	Individual Name on File
Mailing Address	14 SPRING ST, PALM COAST, FL 32164-0012
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
May 2, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THRIVENT FCU
Jun 14, 2022	Warranty Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2023 · Amount on File
Deed Sale	May 2, 2023 · Amount on File
Deed Document Number	2023018596
Deed Book / Page	2777 / 100
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	14 SPRING ST, PALM COAST, FL 32164-0012
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SPRING ST, PALM COAST, FL 32164-0012

Mortgage

Document Number	0028141257
Date	Sep 27, 2023
Book Page	2814/1257
Instrument	2023041981

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	948 Months
Due	Sep 21, 2102

Interest

Rate Type	Adjustable Rate
Rate	7.8%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.8%

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 2, 2023
Property Address	14 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0027770100
Book / Page	2777 / 100
Map Reference	MB 40 PG 20-25
Instrument Date	Apr 28, 2023
Instrument	2023018596
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,223.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 290490, PORT ORANGE, FL 32129-0490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 SPRING ST, PALM COAST, FL 32164-0012

Mortgage

Document Number	0002777101
Date	May 2, 2023
Instrument	2777/101

Lender

Name	THRIVENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 14, 2022
Property Address	14 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0026960674
Book / Page	2696 / 674
Map Reference	MB 40 PG 20-25
Instrument Date	Jun 6, 2022
Instrument	2022030307
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount on Record
Tax	$434.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 290490, PORT ORANGE, FL 32129-0490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 290490, PORT ORANGE, FL 32129-0490

Tax Assessment & Valuation

The 2025 property tax bill for 14 Spring St was $1,729 with a homeowner's exemption.

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	$1,729.00 Homeowner's exemption	$138,313	$363,804 Land $56,500 Building $307,304
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 14 Spring St in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 14 Spring St is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 69% of the US · above 49% 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.

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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