Flagler County property record for 17 Cold Spring Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,788 sqft · built 1988 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Aug 2012) |
| Tax Bill | $3,317 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7004-00250-0060 |
| Primary APN | 07-11-31-7004-00250-0060 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 2,649 sqft |
| 1st Floor Area | 1,788 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 320 sqft |
| Pool Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 17 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 6 OR 133 PG 672 OR 299 PG 855 OR 299 PG 856 OR 299 PG 857 OR 309 PG 934 OR 322 PG 839 OR 527 PG 1200 OR 575 PG 1906 OR 579 PG 15 OR 1330 PG 997 OR 1330 PG 1018 OR 1534 PG 1960-CONTRACT FOR DEED OR 1612/1828 OR 1887/302 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 25 |
| Legal Lot Number | 6 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60105 |
Source: Flagler County records, as of August 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 31, 2017 | Deed of Trust, Mortgage · Line of Credit REUNION BK/FL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2012 · Amount on Record |
| Deed Sale | Aug 16, 2012 · Amount on Record |
| Prior Sale | Jan 26, 2007 · Amount on Record |
| Deed Document Number | 201225983 |
| Deed Book / Page | 1887 / 305 |
| Prior Transfer Date | Sep 1, 2007 |
| Prior Transfer Doc | 0016121828 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0027891038 |
|---|---|
| Date | Jun 16, 2023 |
| Book Page | 2789/1038 |
| Instrument | 2023026060 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 1, 2063 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0026141191 |
|---|---|
| Date | Oct 7, 2021 |
| Book Page | 2614/1191 |
| Instrument | 2021055563 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 17 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0022300570 |
| Book / Page | 002230 / 000570 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 17 COLD SPRING CT PALM COAST FL 321378336, PALM COAST, FL 32137-8336 |
| Document Number | 0022300570 |
|---|---|
| Date | Sep 15, 2017 |
| Book Page | 002230/000570 |
| Instrument | 32335 |
| Name | REUNION BK/FL |
|---|---|
| Type | Bank |
| Address | SAINT AUGUSTINE, FL 32080 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,317.00 (+2.5%) Homeowner's exemption | $225,680 (+5.99%) | $359,512 (-0.8%) Land $157,500 Building $202,012 |
| 2024 | $3,236.00 (+2.63%) | ||
| 2023 | $3,153.00 (+1.03%) Homeowner's exemption | $212,932 (+3%) | $362,419 (+0.3%) Land $157,500 Building $204,919 |
| 2022 | $3,121.00 Homeowner's exemption | $206,730 | $361,328 Land $157,500 Building $203,828 |
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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