Flagler County property record for 16 Cold Spring Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,608 sqft · built 1979 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Oct 2015) |
| Tax Bill | $7,257 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7004-00250-0300 |
| Primary APN | 07-11-31-7004-00250-0300 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,608 sqft Living Area |
| Gross Area | 2,832 sqft |
| 1st Floor Area | 1,608 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Width | 70 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 450 sqft |
| Pool Area | 496 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 16 COLD SPRING CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 04 BLOCK 00025 LOT 0030 SUBDIVISION COMPLETION YEAR 1978 OR 123 PG 589 OR 903/1585-DC OR 1839/ 1736-OD OR 1840/1865-DC OR 1842/422 OR 1854/1696 OR 2091/238 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 25 |
| Legal Lot Number | 30 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60105 |
Source: Flagler County records, as of June 16, 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 Record |
|---|---|
| Mailing Address | 909 DEKALB PIKE, AMBLER, PA 19002-1923 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Nov 26, 2018 | Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Apr 9, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2015 · Amount on Record |
| Deed Sale | Oct 13, 2015 · Amount on Record |
| Prior Sale | Feb 16, 2012 · Amount on Record |
| Deed Document Number | 201531051 |
| Deed Book / Page | 2091 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 16 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 16 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0025561915 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 2556/1915 |
| Instrument | 2021023640 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 16 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023201057 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 2320/1057 |
| Instrument | 2018043912 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 16 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0024340631 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 2434/631 |
| Instrument | 2020013980 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
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 | $7,257.00 (-1.73%) | $399,299 (+0.17%) Land $157,500 Building $241,799 | $399,299 (+0.17%) Land $157,500 Building $241,799 |
| 2023 | $7,385.00 | $398,626 (+78.52%) Land $157,500 Building $241,126 | $398,626 (+1.02%) Land $157,500 Building $241,126 |
| 2022 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $223,295 | $394,584 Land $157,500 Building $237,084 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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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