20 Cold Spring Ct, Palm Coast, FL 32137 Property Records

Flagler County property record for 20 Cold Spring Ct, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,181 sqft · built 2001
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Last Sale	$269,000 (Nov 2012)
Tax Bill	$8,724 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07-11-31-7004-00250-0280`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7004-00250-0280`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,181 sqft Heated Area
Gross Area	2,575 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,756 sqft (0.201 acres)
Lot Width	70 ft Width
Driveway	Driveway
Driveway Area	360 sqft
Pool Type	Enclosed Pool
Pool Area	392 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 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 28 OR 135 PG 86 OR 281 PG 104 OR 664 PG 1545 OR 864 PG 285-RDMAN FUGELSANG TRUST OR 1901/1917-DC-JO
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	25
Legal Lot Number	28
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1007
Census Tract	60105

Owner

20 Cold Spring Ct is owned by an individual who bought it in November 2012.

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 File
Co-owner	Co-owner on File
Mailing Address	DPO AE 9213 Y UNIT 7900, 7900, XX
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2012 · Amount on File
Deed Sale	Nov 2, 2012 · Amount on File
Prior Sale	Nov 13, 2002
Deed Document Number	2012035283
Deed Book / Page	1901 / 1921
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	20 COLD SPRING CT, PALM COAST, FL 32137-8336
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	WFG LENDER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COLD SPRING CT, PALM COAST, FL 32137-8336

Mortgage

Document Number	0026940527
Date	Jun 8, 2022
Book Page	2694/527
Instrument	2022029150

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 20 Cold Spring Ct was $8,724.

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	$8,724.00	$503,972 Land $157,500 Building $346,472	$503,972 Land $157,500 Building $346,472
2023	$7,158.00 (+5.22%)	$469,024 (+4.69%) Land $157,500 Building $311,524	$469,024 (+4.69%) Land $157,500 Building $311,524
2022	$6,803.00	$448,014 Land $157,500 Building $290,514	$448,014 Land $157,500 Building $290,514

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

Flood

FEMA maps place 20 Cold Spring Ct in Zone X, an area of moderate 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 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 File 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.

Wildfire

Wildfire risk around 20 Cold Spring Ct is low, with a 0.02% annual chance of wildfire.

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.

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 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