Flagler County property record for 3 Cole Pl, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,771 sqft · built 1977 |
| Lot Size | 0.757 acres (32,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,015,000 (Jul 2025) |
| Tax Bill | $7,764 (2025) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Dec 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7008-00010-0160 |
| Primary APN | 07-11-31-7008-00010-0160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,771 sqft Living Area |
| Gross Area | 5,607 sqft |
| Flooring | Parquet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 32,958 sqft (0.757 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 419 sqft |
| Pool Area | 800 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3 COLE PL |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8180 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 8 BLK 1 LT 16&17 OR 88 PG 16 OR 1139 PG 955 OR 1439 PG 1884-GOLF HOUSE 1/3 TRUST OR 1668/21 OR 1672/68 OR 1962/821-RDMN CONNIE C REVELS TRUSTEE OF CONNIE C REVELS TRUST |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 60103 |
Source: Flagler County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 9, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Dec 4, 2023 | Warranty Deed, Transfer COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Jun 5, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage MCNITT MANAGEMENT INC |
| Jun 5, 2023 | Warranty Deed, Transfer COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2025 · Amount on Record |
| Deed Sale | Jul 9, 2025 · Amount on Record |
| Prior Sale | Jun 5, 2023 · Amount on Record |
| Deed Document Number | 202528373 |
| Deed Book / Page | 2974 / 1071 |
| Prior Transfer Date | Jul 31, 2013 |
| Prior Transfer Doc | 0019620821 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 9, 2025 |
| Property Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Number | 0029741071 |
| Book / Page | 2974 / 1071 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 2025028373 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,105.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 AVENUE DE LA MER APT 904, 904, PALM COAST, FL 32137-1208 |
| Name | Verified Name |
|---|---|
| Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Number | 0029741072 |
|---|---|
| Date | Jul 9, 2025 |
| Instrument | 2974/1072 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 4, 2023 |
| Property Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Number | 0028301722 |
| Book / Page | 2830 / 1722 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 2023052155 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 WOOD STORK LN, PALM COAST, FL 32164-2370 |
| Name | Verified Name |
|---|---|
| Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Number | 0027860087 |
| Book / Page | 2786 / 87 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | May 25, 2023 |
| Instrument | 2023023949 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| Title Company | COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 MICHAEL DR, SAINT AUGUSTINE, FL 32086-4814 |
| Name | Verified Name |
|---|---|
| Address | 112 WOOD STORK LN, PALM COAST, FL 32164-2370 |
| Document Number | 0000278692 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | 2786/92 |
| Name | MCNITT MANAGEMENT INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 3 COLE PL, PALM COAST, FL 32137-8180 |
| Document Number | 0027860089 |
| Book / Page | 2786 / 89 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | May 25, 2023 |
| Instrument | 2023023950 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| Title Company | COVENANT TITLE, COVENANT CLOSING & TTL SVCS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 88 AVEIRO WAY, SAINT AUGUSTINE, FL 32084-9046 |
| Name | Verified Name |
|---|---|
| Address | 112 WOOD STORK LN, PALM COAST, FL 32164-2370 |
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,764.00 (+9.86%) | $470,350 (+147.55%) | $486,925 (+23.1%) Land $98,831 Building $388,094 |
| 2024 | $7,067.00 (+159.05%) | ||
| 2023 | $2,728.00 (+1.15%) Homeowner's exemption | $190,001 (+3%) | $395,552 (+10.64%) Land $98,306 Building $297,246 |
| 2022 | $2,697.00 Homeowner's exemption | $184,467 | $357,526 Land $98,306 Building $259,220 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 65 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 65 in force |
| Nearby Flood Claims | 4 (2009–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 324 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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