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15 Cold Spring Ct, Palm Coast, FL 32137 Property Records

Flagler County property record for 15 Cold Spring Ct, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,852 sqft · built 2019
Lot Size0.201 acres (8,756 sqft)
Owner2 Individual Names on Record
Last Sale$620,000 (Jan 2026)
Tax Bill$4,158 (2025)
Deeds & MortgagesFeb 2026 Transfer
Jan 2026 Sale
+ 3 more
Flood ZoneZone X (moderate risk)
APN07-11-31-7004-00250-0050

Property Details

APN / Parcel Number

Primary APN07-11-31-7004-00250-0050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area1,852 sqft Living Area
Gross Area2,680 sqft
1st Floor Area1,852 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialConcrete
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area8,756 sqft (0.201 acres)
Lot Width70 ft Width
DrivewayConcrete Driveway
Driveway Area1,300 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address15 COLD SPRING CT
CityPALM COAST
StateFL
Zip32137-8336
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 4 BL 25 LT 5 OR 143 PG 550 OR 570 PG 1496 OR 2328/547
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block25
Legal Lot Number5
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group1
Census Block1007
Census Tract60105

Owner

Source: Flagler County records, as of February 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Feb 11, 2026Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jan 12, 2026Warranty Deed, Transfer
LANDMARK TITLE, LANDMARK TITLE LLC
Mar 19, 2019Deed of Trust, Mortgage · ARM
AMERIS BANK
Feb 14, 2020Loan Modification, Mortgage
AMERIS BK
Jan 3, 2019Warranty Deed, Transfer
COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 12, 2026 · Amount on Record
Deed SaleJan 12, 2026 · Amount on Record
Prior SaleJan 3, 2019 · Amount on Record
Deed Document Number20261794
Deed Book / Page3021 / 1804
Last Transfer DateFeb 11, 2026
Transfer Doc0030290752
Record UpdatedJun 8, 2026

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionFLAGLER FL
Recording DateFeb 11, 2026
Property Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0030290752
Book / Page3029 / 752
Map ReferenceMB 6 PG 9-13
Instrument DateFeb 11, 2026
Instrument2026006179
Transaction TypeTransfer
Record UpdatedFeb 27, 2026
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address15 COLD SPRING CT, PALM COAST, FL 32137-8336

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address304 N 5TH ST, FLAGLER BEACH, FL 32136-3368

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJan 12, 2026
Property Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0030211804
Book / Page3021 / 1804
Map ReferenceMB 5 PG 9-13
Instrument DateDec 29, 2025
Instrument2026001794
Transaction TypeTransfer
Record UpdatedJan 28, 2026
Title CompanyLANDMARK TITLE, LANDMARK TITLE LLC

Transaction

AmountAmount Recorded
Tax$4,340.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4147 ROLLINGWOOD CT, JACKSONVILLE, FL 32257-7667

Transferred To (Grantee/Buyer)

NameVerified Name
Address15 COLD SPRING CT, PALM COAST, FL 32137-8336

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
Transaction TypeMortgage
Record UpdatedMar 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023420019
DateMar 19, 2019
Book Page2342/0019
Instrument2019009245
Lender
NameAMERIS BANK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeARM
AmountAmount Recorded
Term373 Months
DueApr 1, 2050
Interest
Rate TypeAdjustable Rate
Rate5%
Type Change DateApr 1, 2025
Change FrequencyAnnually
Min Rate At Change3.25%
Max Rate At Change7%
Index1-Year LIBOR
Max Rate10%

February 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionFLAGLER FL
Property Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0024210555
Instrument DateFeb 14, 2020
Transaction TypeMortgage
Record UpdatedMar 4, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address15 COLD SPRING CT PALM COAST FL 321378336, PALM COAST, FL 32137-8336

Mortgage

Document Number0024210555
DateFeb 19, 2020
Book Page002421/000555
Instrument6724
Lender
NameAMERIS BK
TypeBank
AddressMARIETTA, GA 30067
Agreement
AmountAmount Recorded
Term12 Months
DueFeb 18, 2021

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJan 3, 2019
Property Address15 COLD SPRING CT, PALM COAST, FL 32137-8336
Document Number0023280547
Book / Page002328 / 000547
Instrument DateDec 26, 2018
Instrument275
Transaction TypeTransfer
Record UpdatedJan 15, 2019
Title CompanyCOVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

AmountAmount Recorded
Tax$588.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address65 RIVERVIEW BND S #1711 PALM COAST FL 321376589, 1711, PALM COAST, FL 32137-6589

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,158.00 (+2.41%) Homeowner's exemption$271,950 (+5.99%)$486,281 (+1.22%) Land $157,500 Building $328,781
2024$4,060.00 (+2.47%)
2023$3,962.00 (+0.89%) Homeowner's exemption$256,588 (+3%)$480,398 (+0.79%) Land $157,500 Building $322,898
2022$3,927.00 Homeowner's exemption$249,115$476,653 Land $157,500 Building $319,153

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 318 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies522 units insured
incl. 204 condo units
Nearby Flood Claims7 (2001–2024)
Claims Outside the SFHA3 of 7
Most Recent ClaimOct 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach

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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 361 locations within half a mile, as of December 31, 2025

ProviderMax 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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