22 Spring St, Palm Coast, FL 32164 Property Records

Flagler County property record for 22 Spring St, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,135 sqft · built 2022
Lot Size	0.143 acres (6,251 sqft)
Owner	Individual Name on Record
Last Sale	$454,400 (Oct 2022)
Tax Bill	$6,290 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-12-31-2755-00000-1870`

Property Details

APN / Parcel Number

Primary APN	`05-12-31-2755-00000-1870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,135 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	6,251 sqft (0.143 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	22 SPRING ST
City	PALM COAST
State	FL
Zip	32164-0012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	THE GABLES AT TOWN CENTER MB 40 PG 20 LOT 187
Legal Subdivision	TOWN CENTER
Legal Lot Number	187
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	22 SPRING ST, PALM COAST, FL 32164-0012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA NA
Mar 29, 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	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Deed Document Number	2022051971
Deed Book / Page	2731 / 260
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 27, 2022
Property Address	22 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0027310260
Book / Page	2731 / 260
Map Reference	MB 40 PG 20-25
Instrument Date	Oct 21, 2022
Instrument	2022051971
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	$3,180.80
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
Relationship	Joint Tenants with Right of Survivorship
Address	22 SPRING ST, PALM COAST, FL 32164-0012

Mortgage

Document Number	0002731261
Date	Oct 27, 2022
Instrument	2731/261

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 29, 2022
Property Address	22 SPRING ST, PALM COAST, FL 32164-0012
Document Number	0026720541
Book / Page	2672 / 541
Map Reference	MB 40 PG 20-25
Instrument Date	Mar 21, 2022
Instrument	2022016226
Transaction Type	Transfer
Record Updated	Apr 29, 2024
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	$6,290.00 (-11.52%) Homeowner's exemption	$389,273 (-5.58%) Land $54,000 Building $335,273	$389,273 (-5.58%) Land $54,000 Building $335,273
2023	$7,109.00 (+476.56%) Homeowner's exemption	$412,281 (+1,229.94%) Land $50,500 Building $361,781	$412,281 (+1,229.94%) Land $50,500 Building $361,781
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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