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18 Spinaker Cir, Palm Coast, FL 32137 Property Records

Flagler County property record for 18 Spinaker Cir, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Details4 bd · 4.5 ba · 4,155 sqft · built 2024
Lot Size0.11 acres (4,800 sqft)
Owner2 Individual Names on File
Last Sale$159,900 (May 2021)
Tax Bill$15,557 (2025)
Deeds & MortgagesJan 2025 Line of Credit
May 2021 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN04-11-31-3019-00000-0840

Property Details

APN / Parcel Number

Primary APN04-11-31-3019-00000-0840

Interior

Bedrooms4 Beds
Full Baths4.5 Baths
Half Baths1 Half Bath
Stories3 Stories
Building Area4,155 sqft Living Area

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialWood
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area4,800 sqft (0.11 acres)
Lot Width40 ft Width

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address18 SPINAKER CIR
CityPALM COAST
StateFL
Zip32137-3427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionHARBOR VILLAGE MARINA LOT 84 OR 885 PG 975 OR 1028 PG 459 OR 1296/1997 OR 2300/397
Legal Range31E
Legal Township11S
Legal Section04
Legal SubdivisionHARBOR VILLAGE MARINA
Legal Lot Number84
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group1
Census Block1046
Census Tract60106

Owner

18 Spinaker Cir is owned by two individuals who bought it in May 2021.

Source: Flagler County records, as of June 9, 2026

Owner of Record2 Individual Names on File
Mailing AddressW351N5322 ROAD C, OCONOMOWOC, WI 53066-2566
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2025Deed of Trust, Mortgage · Line of Credit
INTRACOASTAL BANK
May 5, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 5, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Aug 17, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 5, 2021 · Amount on File
Deed SaleMay 5, 2021 · Amount on File
Prior SaleJan 6, 2004 · Amount on File
Deed Document Number202124804
Deed Book / Page2559 / 383
Prior Transfer DateApr 29, 2021
Prior Transfer Doc0025590377
Record UpdatedOct 29, 2026

January 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address18 SPINAKER CIR, PALM COAST, FL 32137-3427
Transaction TypeMortgage
Record UpdatedDec 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
AddressW351N5322 ROAD C, OCONOMOWOC, WI 53066-2566

Mortgage

Document Number0029291621
DateJan 13, 2025
Book Page2929/1621
Instrument2025001602
Lender
NameINTRACOASTAL BANK
TypeBank
AddressPALM COAST, FL 32137
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateMay 5, 2021
Property Address18 SPINAKER CIR, PALM COAST, FL 32137-3427
Document Number0025590383
Book / Page2559 / 383
Map ReferenceMB 33 PG 39
Instrument DateApr 30, 2021
Instrument2021024804
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
Tax$1,119.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1 WATER CLUB WAY # WAY803, WAY803, WEST PALM BEACH, FL 33408-3753

Transferred To (Grantee/Buyer)

NameVerified Name
Address1655 KETTLE COVE CT, HARTLAND, WI 53029-9365

May 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateMay 5, 2021
Property Address18 SPINAKER CIR, PALM COAST, FL 32137-3427
Document Number0025590377
Book / Page2559 / 377
Map ReferenceMB 33 PG 39
Instrument DateApr 29, 2021
Instrument2021024802
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4913 GRASSLEAF DR, PALM BEACH GARDENS, FL 33418-6725

Transferred To (Grantee/Buyer)

NameVerified Name
Address1655 KETTLE COVE CT, HARTLAND, WI 53029-9365

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateAug 17, 2018
Property Address18 SPINAKER CIR, PALM COAST, FL 32137-3427
Document Number0023000397
Book / Page002300 / 000397
Instrument DateAug 14, 2018
Instrument31137
Transaction TypeTransfer
Record UpdatedAug 30, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1 WATER CLUB WAY #803 NORTH PALM BEACH FL 334083756, 803, NORTH PALM BEACH, FL 33408-3756

Tax Assessment & Valuation

The 2025 property tax bill for 18 Spinaker Cir was $15,557, up 539.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$15,557.00 (+539.94%)$1,118,420 Land $187,500 Building $930,920$1,118,420 Land $187,500 Building $930,920
2024$2,431.00 (+18.24%)
2023$2,056.00 (+9.19%)$136,400 (+6.56%) Land $136,400$136,400 (+6.56%) Land $136,400
2022$1,883.00$128,000 Land $128,000$128,000 Land $128,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Spinaker Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 627 individual policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1,191 units insured
incl. 564 condo units
Nearby Flood Claims121 (2004–2024)
Claims Outside the SFHA15 of 121
Most Recent ClaimOct 2024 · Hurricane Milton
Claims by Event
  • Hurricane Nicole, Nov 2022 · 24 claims
  • Hurricane Irma, Oct 2017 · 26 claims
  • Hurricane Matthew, Oct 2016 · 63 claims

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

Wildfire risk around 18 Spinaker Cir is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemDUNES COMMUNITY DEVELOPMENT DISTRICT
private · serves 5,054 people · EPA ID FL2184259
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 193 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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