17 Spring St, Palm Coast, FL 32164 Property Records

Flagler County property record for 17 Spring St, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,885 sqft · built 2022
Lot Size	0.138 acres (6,042 sqft)
Owner	Individual Name on Record
Last Sale	$442,500 (May 2025)
Tax Bill	$5,653 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-12-31-2755-00000-0850`

Property Details

APN / Parcel Number

Primary APN	`05-12-31-2755-00000-0850`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,042 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	17 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 85
Legal Subdivision	TOWN CENTER
Legal Lot Number	85
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3003
Census Tract	60213

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	70 TOWN CT # 82A, 82A, PALM COAST, FL 32164-2540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
May 19, 2025	Warranty Deed, Transfer UNKNOWN, DAYTONA BLUE OCEAN TITLE LLC
Aug 18, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Mar 28, 2022	Special Warranty Deed, Transfer SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2025 · Amount on Record
Deed Sale	May 19, 2025 · Amount on Record
Prior Sale	Aug 18, 2022 · Amount on Record
Deed Document Number	2025021134
Deed Book / Page	2961 / 725
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 15, 2026
Property Address	17 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0000028424
Book / Page	3070 / 1464
Instrument Date	Jul 8, 2026
Instrument	202628424
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	SYNERGY TITLE AND ESCROW, SYNERGY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 SPRING ST, PALM COAST, FL 32164-0012

Mortgage

Document Number	0000028425,
Date	Jul 15, 2026
Instrument	202628425

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 19, 2025
Property Address	17 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0029610725
Book / Page	2961 / 725
Map Reference	MB 40 PG 20-25
Instrument Date	Apr 30, 2025
Instrument	2025021134
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	UNKNOWN, DAYTONA BLUE OCEAN TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$3,097.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7507 ABOGADO LN, SAN ANTONIO, TX 78235-1100

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	70 TOWN CT # 82A, 82A, PALM COAST, FL 32164-2540

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 18, 2022
Property Address	17 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0027150768
Book / Page	2715 / 768
Map Reference	MB 40 PG 20-25
Instrument Date	Aug 12, 2022
Instrument	2022041943
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 Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,070.20
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	17 SPRING ST, PALM COAST, FL 32164-0012
Investor	Possibly a Property Investor

Mortgage

Document Number	0002715769
Date	Aug 18, 2022
Instrument	2715/769

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 28, 2022
Property Address	17 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0026711523
Book / Page	2671 / 1523
Map Reference	MB 40 PG 20-25
Instrument Date	Mar 21, 2022
Instrument	2022015906
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC

Transaction

Amount	Amount Recorded
Tax	$413.00
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

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	$5,653.00 (-9.65%) Homeowner's exemption	$354,200 (-3.3%) Land $56,500 Building $297,700	$354,200 (-3.3%) Land $56,500 Building $297,700
2023	$6,257.00 (+407.46%) Homeowner's exemption	$366,280 (+1,081.55%) Land $50,500 Building $315,780	$366,280 (+1,081.55%) Land $50,500 Building $315,780
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

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 Record 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

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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