3 Cunningham Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 3 Cunningham Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,303 sqft · built 2023
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,000 (Mar 2021)
Tax Bill	$11,893 (2025)
Deeds & Mortgages	Jul 2026 Sale Nov 2021 Construction Loan + 3 more
Flood Zone	Zone X (moderate risk)
APN	`07-11-31-7016-00120-0710`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7016-00120-0710`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,303 sqft Living Area
1st Floor Area	2,303 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Width	40 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 CUNNINGHAM LN
City	PALM COAST
State	FL
Zip	32137-9087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 16 BL 12 LT 71 OR 188 PG 528 OR 669 PG 1582 OR 2204/1104 OR 2204/1104 OR 2246/1744
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	12
Legal Lot Number	71
Jurisdiction	FLAGLER FL
Township / Civil Division	FLAGLER BEACH
Census Block Group	1
Census Block	1018
Census Tract	60104

Owner

Source: Flagler County records, as of August 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Nov 22, 2021	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK NA
Mar 30, 2021	Warranty Deed, Transfer VETERANS TITLE INC, VETERANS TITLE LLC
Dec 13, 2017	Warranty Deed, Transfer WATSON TITLE SERVICES INC
May 10, 2017	Warranty Deed, Transfer WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021 · Amount on Record
Deed Sale	Mar 30, 2021 · Amount on Record
Prior Sale	Dec 13, 2017 · Amount on Record
Deed Document Number	202117124
Deed Book / Page	2544 / 1891
Last Transfer Date	Jul 22, 2026
Transfer Doc	0000030290
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 24, 2026
Property Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Document Number	0000030290
Book / Page	3074 / 537
Instrument Date	Jul 22, 2026
Instrument	202630290
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Transaction Type	Mortgage
Record Updated	Feb 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ROSE TER, CLARK, NJ 07066-2648

Mortgage

Document Number	0026291621
Date	Nov 22, 2021
Book Page	2629/1621
Instrument	2021063839

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	1-Year CMT
Max Rate	9.5%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 30, 2021
Property Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Document Number	0025441891
Book / Page	2544 / 1891
Map Reference	MB 35 PG 528
Instrument Date	Mar 12, 2021
Instrument	2021017124
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$819.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 GREEN CIR, PALM COAST, FL 32164-7137

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ROSE TER, CLARK, NJ 07066-2648

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 13, 2017
Property Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Document Number	0022461744
Book / Page	002246 / 001744
Instrument Date	Nov 28, 2017
Instrument	43439
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3505 ELMORE PL NORFOLK VA 235091323, NORFOLK, VA 23509-1323

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 10, 2017
Property Address	3 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Document Number	0022041104
Book / Page	002204 / 001104
Instrument Date	May 4, 2017
Instrument	16547
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$539.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4929 WOODVIEW LN MYRTLE BEACH SC 295754528, MYRTLE BEACH, SC 29575-4528

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$11,893.00 (+352.38%)	$654,428 (+361.03%) Land $144,000 Building $510,428	$654,428 (+361.03%) Land $144,000 Building $510,428
2023	$2,629.00 (-7.4%)	$141,950 (-4.85%) Land $137,000 Building $4,950	$141,950 (-4.85%) Land $137,000 Building $4,950
2022	$2,839.00	$149,193 Land $143,500 Building $5,693	$149,193 Land $143,500 Building $5,693

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 126 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	126 in force
Nearby Flood Claims	12 (2001–2022)
Claims Outside the SFHA	10 of 12
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 5 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	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 257 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
T-Mobile Fixed Wireless	100 / 20

3 Cunningham Ln, Palm Coast, FL 32137 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Cunningham Ln

Nearby Streets

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