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3 Cottagegate Ct, Palm Coast, FL 32137 Property Records

Flagler County property record for 3 Cottagegate Ct, Palm Coast, FL 32137

Property Summary

Property TypeSingle Family Home
Detailsbuilt 2021
Lot Size0.313 acres (13,634 sqft)
Owner2 Individual Names on File
Last Sale$398,500 (Apr 2025)
Tax Bill$5,743 (2025)
Deeds & MortgagesApr 2025 Sale
Aug 2024 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7014-00020-0860

Property Details

APN / Parcel Number

Primary APN07-11-31-7014-00020-0860

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Lot Area13,634 sqft (0.313 acres)
Lot Dimensions125 ft deep x 80 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3 COTTAGEGATE CT
CityPALM COAST
StateFL
Zip32137-8964
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SEC 14 BL 2 LT 86 OR 164 PG 653 OR 259 PG 262 OR 666 PG 1647
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block2
Legal Lot Number86
JurisdictionFLAGLER FL
Township / Civil DivisionFLAGLER BEACH
Census Block Group2
Census Block2008
Census Tract60105

Owner

3 Cottagegate Ct is owned by two individuals who bought it in April 2025.

Source: Flagler County records, as of December 8, 2025

Owner of Record2 Individual Names on File
Mailing Address509 BRIDGESTONE DR, MOORESVILLE, IN 46158-7305
Owner TypeIndividual
VestingHusband 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.

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2025Warranty Deed, Transfer
OCEAN BLUE TITLE LLC
Aug 16, 2024Quit Claim Deed, Transfer
Quitclaim
Aug 1, 2024Warranty Deed, Transfer
OLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC
Mar 14, 2022Warranty Deed, Transfer
PROFESSIONAL CLOSING TITLE, PROFESSIONAL CLOSING INC
Feb 11, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 10, 2025 · Amount on File
Deed SaleApr 10, 2025 · Amount on File
Prior SaleAug 1, 2024 · Amount on File
Deed Document Number202515212
Deed Book / Page2951 / 190
Prior Transfer DateAug 15, 2024
Prior Transfer Doc0028930760
Record UpdatedSep 20, 2026

April 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateApr 10, 2025
Property Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964
Document Number0029510190
Book / Page2951 / 190
Map ReferenceMB 6 PG 54-58
Instrument DateApr 3, 2025
Instrument2025015212
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyOCEAN BLUE TITLE LLC

Transaction

AmountAmount on Record
Tax$2,789.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address16 CHICKASAW CT, PALM COAST, FL 32137-8936

Transferred To (Grantee/Buyer)

NameVerified Name
Address509 BRIDGESTONE DR, MOORESVILLE, IN 46158-7305

August 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionFLAGLER FL
Recording DateAug 16, 2024
Property Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964
Document Number0028930760
Book / Page2893 / 760
Map ReferenceMB 6 PG 54-58
Instrument DateAug 15, 2024
Instrument2024034743
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address16 CHICKASAW CT, PALM COAST, FL 32137-8936

Transferred To (Grantee/Buyer)

NameVerified Name
Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964

August 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateAug 1, 2024
Property Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964
Document Number0028900072
Book / Page2890 / 72
Map ReferenceMB 6 PG 54-58
Instrument DateJul 15, 2024
Instrument2024032702
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyOLDE FL TITLE LLC, OLDE FLORIDA TITLE LLC

Transaction

AmountAmount on Record
Tax$2,695.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5140 HARBURY LN, SUWANEE, GA 30024-7540

Transferred To (Grantee/Buyer)

NameVerified Name
Address16 CHICKASAW CT, PALM COAST, FL 32137-8936

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateMar 14, 2022
Property Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964
Document Number0026670976
Book / Page2667 / 976
Map ReferenceMB 6 PG 54-58
Instrument DateMar 9, 2022
Instrument2022013358
Transaction TypeTransfer
Record UpdatedDec 23, 2025
Title CompanyPROFESSIONAL CLOSING TITLE, PROFESSIONAL CLOSING INC

Transaction

AmountAmount on Record
Tax$2,660.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address800 CANOPY WALK LN # LN825, LN825, PALM COAST, FL 32137-6509

Transferred To (Grantee/Buyer)

NameVerified Name
Address5140 HARBURY LN, SUWANEE, GA 30024-7540

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateFeb 11, 2021
Property Address3 COTTAGEGATE CT, PALM COAST, FL 32137-8964
Document Number0025260182
Book / Page2526 / 182
Map ReferenceMB 6 PG 54-58
Instrument DateFeb 3, 2021
Instrument2021007221
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

AmountAmount on Record
Tax$1,330.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4 BEATTY RD, SHOREHAM, NY 11786-1053

Transferred To (Grantee/Buyer)

NameVerified Name
Address1409 SE 31ST TER, CAPE CORAL, FL 33904-3944

Tax Assessment & Valuation

The 2025 property tax bill for 3 Cottagegate Ct was $5,743, down 1% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,743.00 (-1.02%)$316,023 Land $290,077 Building $25,946$316,023 Land $290,077 Building $25,946
2024$5,802.00 (-1.56%)
2023$5,894.00 (-3.88%)$318,127 (-1.28%) Land $290,077 Building $28,050$318,127 (-1.28%) Land $290,077 Building $28,050
2022$6,132.00$322,258 Land $290,000 Building $32,258$322,258 Land $290,000 Building $32,258

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

Flood

FEMA maps place 3 Cottagegate Ct 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 392 individual policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies418 units insured
incl. 26 condo units
Nearby Flood Claims35 (1987–2022)
Claims Outside the SFHA22 of 35
Most Recent ClaimNov 2022 · Hurricane Nicole
Claims by Event
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Irma, Sep 2017 · 5 claims
  • Hurricane Matthew, Oct 2016 · 11 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

Wildfire risk around 3 Cottagegate Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 257 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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