Flagler County property record for 32 Cooper Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 1973 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $154,500 (Jun 2017) |
| Tax Bill | $2,488 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7008-00020-0220 |
| Primary APN | 07-11-31-7008-00020-0220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,434 sqft Living Area |
| Gross Area | 2,187 sqft |
| 1st Floor Area | 1,434 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,001 sqft (0.276 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 300 sqft |
| Pool Area | 940 sqft |
|---|---|
| Deck Area | 490 sqft |
| Patio Area | 435 sqft |
| Storage Building | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 32 COOPER LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY CLUB COVE SECTION 8 BLOCK 2 LOT 22 OR 57 PG 463 OR 78 PAGE 195 OR 227 PG 754 OR 494 PG 204 (DC) OR 494 PG 207 OR 1858/859 OR 1896/1383 OR 2210/771 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | COUNTRY CLUB COVE |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60103 |
Source: Flagler County records · APN 07-11-31-7008-00020-0220
Assessment roll updated December 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Feb 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME BANK |
| Jun 07, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2017 · Amount on Record |
| Deed Sale | Jun 07, 2017 · Amount on Record |
| Prior Sale | Mar 12, 2012 · Amount on Record |
| Deed Document Number | 201720113 |
| Deed Book / Page | 2210 / 771 |
| Prior Transfer Date | Sep 06, 2012 |
| Prior Transfer Doc | 0018961383 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0028081980 |
|---|---|
| Date | Aug 31, 2023 |
| Book Page | 2808/1980 |
| Instrument | 2023038291 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0025261887 |
|---|---|
| Date | Feb 15, 2021 |
| Book Page | 2526/1887 |
| Instrument | 2021007673 |
| Name | FIRST HOME BANK |
|---|---|
| Type | Bank |
| Address | SEMINOLE, FL 33772 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jun 07, 2017 |
| Property Address | 32 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0022100771 |
| Book / Page | 2210 / 0771 |
| Map Reference | MMB6 PG30 |
| Instrument Date | May 17, 2017 |
| Instrument | 2017020113 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | FLAGLER COUNTY ABSTRACT CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,081.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 WILLOUGHBY PL, 11, PALM COAST, FL 32164-7621 |
| Name | Verified Name |
|---|---|
| Address | 454 HORNER ST, ELMIRA, NY 14904-1535 |
| Document Number | 2017020114 |
|---|---|
| Date | Jun 07, 2017 |
| Instrument | 2017020114 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,488.00 (+2.64%) Homeowner's exemption | $180,077 (+5.99%) | $269,588 (+20.91%) Land $61,500 Building $208,088 |
| 2024 | $2,424.00 (+2.89%) | ||
| 2023 | $2,356.00 (+1.29%) Homeowner's exemption | $169,905 (+3%) | $222,974 (+13.41%) Land $61,500 Building $161,474 |
| 2022 | $2,326.00 Homeowner's exemption | $164,956 | $196,601 Land $61,500 Building $135,101 |
Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 50 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 364 units insured incl. 314 condo units |
| Nearby Flood Claims | 19 (1982–2022) |
| Claims Outside the SFHA | 17 of 19 |
| Most Recent Claim | Nov 2022 · Hurricane Nicole |
| Claims by Event |
|
| Wildfire Risk | Moderate above 40% of the US · lower than 87% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 214 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF PALM COAST UTILITY private · serves 112,324 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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