Flagler County property record for 15 Cooper Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,377 sqft · built 1973 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Jul 2024) |
| Tax Bill | $3,720 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7008-00030-0130 |
| Primary APN | 07-11-31-7008-00030-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,377 sqft Living Area |
| Gross Area | 2,628 sqft |
| 1st Floor Area | 1,377 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Driveway | Asphalt Driveway |
| Driveway Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15 COOPER LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8184 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY CLUB COVE SEC 8 BLOCK 3 LOT 13 OR 62 PG 582 OR 62 PG 582 OR 540 PG 1831 OR 555 PG 1570 OR 565 PG 1694 OR 1559 PG 629-FJ OR 1659/648-DC OR 1659/ 655-FRANCES C PRUESTEL PR OR 1686/303-REVOCATION OF LOA OR 1686/304 OR 2027/937 OR 2031/1663 OR 20 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | COUNTRY CLUB COVE |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 60103 |
Source: Flagler County records · APN 07-11-31-7008-00030-0130
Assessment roll updated December 8, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 COOPER LN, PALM COAST, FL 32137-8184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 31, 2022 | Warranty Deed, Transfer · Seller Carry-Back ELLEN LANGER LIVING TRUST |
| Apr 05, 2019 | Deed of Trust, Mortgage · Line of Credit SPACE COAST CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 2024 · Amount on Record |
| Deed Sale | Jul 15, 2024 · Amount on Record |
| Prior Sale | Jan 31, 2022 · Amount on Record |
| Deed Document Number | 202429531 |
| Deed Book / Page | 2884 / 1562 |
| Prior Transfer Date | Apr 30, 2015 |
| Prior Transfer Doc | 0020631687 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 15 COOPER LN, PALM COAST, FL 32137-8184 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 24 LYTTON LN, PALM COAST, FL 32137-9513 |
| Document Number | 0027210072 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | 2721/72 |
| Instrument | 2022045579 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 31, 2022 |
| Property Address | 15 COOPER LN, PALM COAST, FL 32137-8184 |
| Document Number | 0026530571 |
| Book / Page | 2653 / 571 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | Jan 25, 2022 |
| Instrument | 2022005216 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2022 |
| Title Company | OCEAN BLUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 23, BUXTON, NC 27920-0023 |
| Name | Verified Name |
|---|---|
| Address | 24 LYTTON LN, PALM COAST, FL 32137-9513 |
| Document Number | 0002653573 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2653/573 |
| Name | ELLEN LANGER LIVING TRUST |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 15 COOPER LN, PALM COAST, FL 32137-8184 |
| Document Number | 0023740110 |
| Instrument Date | Apr 05, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6982 N RANGE LINE RD MILWAUKEE WI 532092619, MILWAUKEE, WI 53209-2619 |
| Document Number | 0023740110 |
|---|---|
| Date | Aug 02, 2019 |
| Book Page | 002374/000110 |
| Instrument | 28560 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,720.00 (-8.71%) | $247,842 (+20.8%) Land $47,500 Building $200,342 | $247,842 (+20.8%) Land $47,500 Building $200,342 |
| 2024 | $4,075.00 (+7.21%) | ||
| 2023 | $3,801.00 (+43.98%) | $205,170 (+30.21%) Land $47,000 Building $158,170 | $205,170 (+30.21%) Land $47,000 Building $158,170 |
| 2022 | $2,640.00 | $157,566 Land $47,000 Building $110,566 | $157,566 Land $47,000 Building $110,566 |
Source: FEMA National Flood Hazard Layer, Flagler County (12035C), as of March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350601032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 65 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 65 in force |
| Nearby Flood Claims | 4 (2009–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 215 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL2180863, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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