Flagler County property record for 22 Spinaker Cir, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | built 2007 |
| Lot Size | 0.108 acres (4,687 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Oct 2024) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | Oct 2024 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-11-31-3019-00000-0860 |
| Primary APN | 04-11-31-3019-00000-0860 |
|---|
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Lot Area | 4,687 sqft (0.108 acres) |
| Lot Width | 40 ft Width |
| Boat Access | Boat Access |
| Street Address | 22 SPINAKER CIR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-3427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | HARBOR VILLAGE MARINA LOT 86 OR 882/776 OR 1679/583 OR 1679/585-GONGLEFSKI TRUST |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 04 |
| Legal Subdivision | HARBOR VILLAGE MARINA |
| Legal Lot Number | 86 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 60106 |
22 Spinaker Cir is owned by two individuals who bought it in October 2024.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2800 CRANE MILL RD, ALTO, GA 30510-3621 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 15, 2024 | Warranty Deed, Transfer · Seller Carry-Back MICHAEL BAKER |
| Jul 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2024 · Amount on File |
| Deed Sale | Oct 15, 2024 · Amount on File |
| Prior Sale | Jul 12, 2021 · Amount on File |
| Deed Document Number | 202443342 |
| Deed Book / Page | 2908 / 497 |
| Prior Transfer Date | Jul 11, 2008 |
| Prior Transfer Doc | 0016790583 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 15, 2024 |
| Property Address | 22 SPINAKER CIR, PALM COAST, FL 32137-3427 |
| Document Number | 0029080497 |
| Book / Page | 2908 / 497 |
| Map Reference | MB 33 PG 39 |
| Instrument Date | Oct 14, 2024 |
| Instrument | 2024043342 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,855.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3501 LARGO CT, FLOWER MOUND, TX 75028-3938 |
| Name | Verified Name |
|---|---|
| Address | 2800 CRANE MILL RD, ALTO, GA 30510-3621 |
| Document Number | 0002908499 |
|---|---|
| Date | Oct 15, 2024 |
| Instrument | 2908/499 |
| Name | MICHAEL BAKER |
|---|---|
| Type | Seller |
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Oct 15, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 12, 2021 |
| Property Address | 22 SPINAKER CIR, PALM COAST, FL 32137-3427 |
| Document Number | 0025830030 |
| Book / Page | 2583 / 30 |
| Map Reference | MB 33 PG 39-44 |
| Instrument Date | Jun 21, 2021 |
| Instrument | 2021038011 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | AMERICAS CHOICE TITLE COMPANY, AMERICAS CHOICE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,232.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 383 MCCALLS DR, SALEM, SC 29676-4607 |
| Name | Verified Name |
|---|---|
| Address | 3501 LARGO CT, FLOWER MOUND, TX 75028-3938 |
| Investor | Possibly a Property Investor |
| Document Number | 0000258332 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 2583/32 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jul 1, 2026 |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
The 2025 property tax bill for 22 Spinaker Cir was $2,660, up 7% from the year before.
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,660.00 (+7%) | $188,916 (-0.1%) Land $184,500 Building $4,416 | $188,916 (-0.1%) Land $184,500 Building $4,416 |
| 2024 | $2,486.00 (+17.04%) | $189,108 (+33.93%) Land $184,500 Building $4,608 | $189,108 (+33.93%) Land $184,500 Building $4,608 |
| 2023 | $2,124.00 (+8.64%) | $141,200 (+6.17%) Land $136,400 Building $4,800 | $141,200 (+6.17%) Land $136,400 Building $4,800 |
| 2022 | $1,955.00 | $132,992 Land $128,000 Building $4,992 | $132,992 Land $128,000 Building $4,992 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 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 Zone | Zone X minimal risk |
|---|---|
| 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 627 individual policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1,191 units insured incl. 564 condo units |
| Nearby Flood Claims | 121 (2004–2024) |
| Claims Outside the SFHA | 15 of 121 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Claims by Event |
|
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 risk around 22 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 Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | DUNES COMMUNITY DEVELOPMENT DISTRICT private · serves 5,054 people · EPA ID FL2184259 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 193 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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