Flagler County property record for 34 Cold Spring Ct, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,659 sqft · built 2000 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $385,000 (Jul 2018) |
| Tax Bill | $8,339 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7004-00250-0230 |
| Primary APN | 07-11-31-7004-00250-0230 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,659 sqft Living Area |
| Gross Area | 3,342 sqft |
| 1st Floor Area | 2,659 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Width | 70 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 476 sqft |
| Patio Area | 180 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 34 COLD SPRING CT |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 4 BL 25 LT 23 OR 135 PG 95 OR 682 PG 1087 OR 692 PG 1832 OR 711 PG 53 OR 884 PG 80 OR 1034 PG 896 OR 1295/1020 OR 1857/271 OR 2017/514 OR 2043/1284 OR 2290/1173 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 25 |
| Legal Lot Number | 23 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60105 |
Source: Flagler County records, as of December 8, 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 |
|---|---|
| Mailing Address | 143 SUMMER ST, WATERTOWN, MA 02472-3802 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jul 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on Record |
| Deed Sale | Jul 5, 2018 · Amount on Record |
| Prior Sale | Aug 4, 2014 · Amount on Record |
| Deed Document Number | 201824906 |
| Deed Book / Page | 2290 / 1173 |
| Prior Transfer Date | Feb 7, 2012 |
| Prior Transfer Doc | 0018570271 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 34 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | OLDE FLORIDA TITLE |
| Name | Verified Name |
|---|---|
| Address | 5025 HARVEY RD, BETHLEHEM, PA 18020-8824 |
| Document Number | 0025410745 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 2541/745 |
| Instrument | 2021015152 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 5, 2018 |
| Property Address | 34 COLD SPRING CT, PALM COAST, FL 32137-8336 |
| Document Number | 0022901173 |
| Book / Page | 2290 / 1173 |
| Map Reference | MB6 PG9-13 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018024906 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | TRULY YOURS TITLE LLV |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,695.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1885 SHORE DR S # S411, 1885, SOUTH PASADENA, FL 33707-4731 |
| Name | Verified Name |
|---|---|
| Address | 5025 HARVEY RD, BETHLEHEM, PA 18020-8824 |
| Document Number | 2018024907 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 2018024907 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
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 | $8,339.00 (-0.13%) | $502,015 (+2.89%) Land $157,500 Building $344,515 | $502,015 (+2.89%) Land $157,500 Building $344,515 |
| 2024 | $8,350.00 (+9.31%) | ||
| 2023 | $7,639.00 (+4.5%) | $487,911 (+2.58%) Land $157,500 Building $330,411 | $487,911 (+2.58%) Land $157,500 Building $330,411 |
| 2022 | $7,310.00 | $475,630 Land $157,500 Building $318,130 | $475,630 Land $157,500 Building $318,130 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 318 individual policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 522 units insured incl. 204 condo units |
| Nearby Flood Claims | 7 (2001–2024) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
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 361 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 |
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