Flagler County property record for 4 Cunningham Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,810 sqft · built 2002 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $720,000 (Dec 2025) |
| Tax Bill | $5,104 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 07-11-31-7016-00120-1210 |
| Primary APN | 07-11-31-7016-00120-1210 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,810 sqft Living Area |
| Gross Area | 2,586 sqft |
| 1st Floor Area | 1,810 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Width | 40 ft Width |
| Driveway | Concrete Driveway |
| Driveway Area | 320 sqft |
| Pool Area | 380 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4 CUNNINGHAM LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-9085 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 16 BL 12 LT 121 OR 244 PG 236 OR 647 PG 397 OR 744/731-CD OR 2114/39 OR 2477/1653 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 12 |
| Legal Lot Number | 121 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 60104 |
4 Cunningham Ln is owned and occupied by two individuals who bought it in December 2025.
Source: Flagler County records, as of December 29, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband 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.
| Date | Document |
|---|---|
| Dec 17, 2025 | Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Apr 24, 2023 | Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC |
| Sep 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2025 · Amount on File |
| Deed Sale | Dec 17, 2025 · Amount on File |
| Prior Sale | Sep 17, 2020 · Amount on File |
| Deed Document Number | 202550990 |
| Deed Book / Page | 3015 / 295 |
| Prior Transfer Date | May 11, 2001 |
| Prior Transfer Doc | 0007440731 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 17, 2025 |
| Property Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Document Number | 0030150295 |
| Book / Page | 3015 / 295 |
| Map Reference | MB 6 PG 81-86 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2025050990 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2026 |
| Title Company | FLORIDA CLOSING COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,040.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 CUMBERLAND TRAIL, PALM COAST, FL 32137 |
| Name | Verified Name |
|---|---|
| Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Document Number | 0030150297 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 3015/297 |
| Instrument | 2025050991 |
| Name | ZILLOW HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 194 WOOD AVE S 9, 9, ISELIN, NJ 08830-2761 |
| Document Number | 0027971050 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 2797/1050 |
| Instrument | 2023030931 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | RENO, NV 89504 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Document Number | 0027731951 |
|---|---|
| Date | Apr 24, 2023 |
| Book Page | 2773/1951 |
| Instrument | 2023016782 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 17, 2020 |
| Property Address | 4 CUNNINGHAM LN, PALM COAST, FL 32137-9085 |
| Document Number | 0024771653 |
| Book / Page | 2477 / 1653 |
| Map Reference | MB 06 PG 81 |
| Instrument Date | Sep 17, 2020 |
| Instrument | 2020037267 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | PIONEER TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 39 RIVERBEND DR, 39, PALM COAST, FL 32137-4582 |
| Name | Verified Name |
|---|
| Document Number | 0024771655 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 2477/1655 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 4 Cunningham Ln was $5,104 with a homeowner's exemption, up 2.3% from the year before.
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 | $5,104.00 (+2.35%) Homeowner's exemption | $324,010 | $484,366 Land $144,000 Building $340,366 |
| 2024 | $4,987.00 (+2.36%) | ||
| 2023 | $4,872.00 (+0.77%) Homeowner's exemption | $305,707 (+3%) | $462,173 (+0.2%) Land $137,000 Building $325,173 |
| 2022 | $4,835.00 Homeowner's exemption | $296,803 | $461,248 Land $143,500 Building $317,748 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4 Cunningham Ln in Zone X, an area of moderate 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 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 File 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 |
|
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 risk around 4 Cunningham Ln is moderate, ranking above 52% of the US, with a 0.08% annual chance of 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures