20 Cole Pl, Palm Coast, FL 32137 Property Records

Flagler County property record for 20 Cole Pl, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,988 sqft · built 1981
Lot Size	0.413 acres (17,999 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Aug 2019)
Tax Bill	$2,980 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7008-00010-0390`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7008-00010-0390`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,988 sqft Heated Area
Gross Area	3,112 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,999 sqft (0.413 acres)
Driveway	Driveway
Driveway Area	792 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 COLE PL
City	PALM COAST
State	FL
Zip	32137-8132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 08 BLOCK 00001 LOT 0039 & N1/2 OF LOT 38 SUBDIVISION COMPLETION YEAR 1975 OR 169 PG 161 OR 181 PG 158 OR 2
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	1
Legal Lot Number	38,39
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1012
Census Tract	60103

Owner

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

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	20 COLE PL, PALM COAST, FL 32137-8132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Deed Document Number	2019029766
Deed Book / Page	2376 / 0380
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 12, 2019
Property Address	20 COLE PL, PALM COAST, FL 32137-8132
Document Number	0023760380
Book / Page	2376 / 0380
Map Reference	MB 6 PG 28-31
Instrument Date	Aug 9, 2019
Instrument	2019029766
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICA CHOICE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2239 ROGENE DR APT 104, 2239, BALTIMORE, MD 21209-5703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 COLE PL, PALM COAST, FL 32137-8132

Mortgage

Document Number	0023760382
Date	Aug 12, 2019
Instrument	2376-0382

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$2,980.00 (+5.34%) Homeowner's exemption	$207,154 (+5.99%)	$302,723 (+14.82%) Land $64,575 Building $238,148
2023	$2,829.00 (+1.11%) Homeowner's exemption	$195,453 (+3%)	$263,659 (+13.75%) Land $64,575 Building $199,084
2022	$2,798.00 Homeowner's exemption	$189,760	$231,783 Land $64,575 Building $167,208

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

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 50 individual policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	364 units insured incl. 314 condo units
Nearby Flood Claims	19 (1982–2022)
Claims Outside the SFHA	17 of 19
Most Recent Claim	Nov 2022 · Hurricane Nicole
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Matthew, Oct 2016 · 2 claims Severe Storms, Tornadoes And Flooding Associated With Tropical Storm Gabrielle, Sep 2001 · 3 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 214 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