Flagler County property record for 38 Cooper Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,033 sqft · built 1975 |
| Lot Size | 0.276 acres (12,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $192,900 (Jan 2017) |
| Tax Bill | $2,267 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7008-00020-0250 |
| Primary APN | 07-11-31-7008-00020-0250 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,033 sqft Living Area |
| Gross Area | 2,670 sqft |
| 1st Floor Area | 2,033 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,001 sqft (0.276 acres) |
| Driveway | Asphalt Driveway |
| Driveway Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 38 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 25 OR 50 PG 156 OR 534/1607 OR 535/453 OR 534/1512 OR 1907/141 OR 1990/1271 OR 2178/1653 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | COUNTRY CLUB COVE |
| Legal Block | 2 |
| Legal Lot Number | 25 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60103 |
Source: Flagler County records · APN 07-11-31-7008-00020-0250
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 | Individual Name on File |
|---|---|
| Mailing Address | 38 COOPER LN, PALM COAST, FL 32137-8129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jan 03, 2017 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 03, 2017 · Amount on Record |
| Deed Sale | Jan 03, 2017 · Amount on Record |
| Deed Document Number | 2017163 |
| Deed Book / Page | 2178 / 1653 |
| Prior Transfer Date | Dec 13, 2013 |
| Prior Transfer Doc | 0019901271 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 38 COOPER LN, PALM COAST, FL 32137-8129 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 38 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0025911649 |
|---|---|
| Date | Aug 05, 2021 |
| Book Page | 2591/1649 |
| Instrument | 2021042882 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 03, 2017 |
| Property Address | 38 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0021781653 |
| Book / Page | 2178 / 1653 |
| Map Reference | MB6 PG28-33 |
| Instrument Date | Jan 03, 2017 |
| Instrument | 2017000163 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | TRULY YOURS TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,350.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 38 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 2017000164 |
|---|---|
| Date | Jan 03, 2017 |
| Instrument | 2017000164 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 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 | $2,267.00 (+2.67%) Homeowner's exemption | $167,925 (+5.99%) | $261,906 (+5.42%) Land $61,500 Building $200,406 |
| 2024 | $2,208.00 (+2.99%) | ||
| 2023 | $2,144.00 (+1.42%) Homeowner's exemption | $158,438 (+3%) | $248,446 (+10.2%) Land $61,500 Building $186,946 |
| 2022 | $2,114.00 Homeowner's exemption | $153,823 | $225,446 Land $61,500 Building $163,946 |
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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