5 Cunningham Ln, Palm Coast, FL 32137 Property Records

Flagler County property record for 5 Cunningham Ln, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,063 sqft · built 2008
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$489,000 (Jul 2021)
Tax Bill	$3,753 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-11-31-7016-00120-0720`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7016-00120-0720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,063 sqft Living Area
Gross Area	2,711 sqft
1st Floor Area	2,063 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2015
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Driveway	Concrete Driveway
Driveway Area	400 sqft
Boat Access	Boat Access
Boat House	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5 CUNNINGHAM LN
City	PALM COAST
State	FL
Zip	32137-9087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 16 BLOCK 00012 LOT 0072 SUBDIVISION COMPLETION YEAR 1980 OR 188 PG 402 OR 723 PG 1810 OR 1116 PG 1929 OR 1700/1455 OR 1717/1547
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	12
Legal Lot Number	72
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 March 6, 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 Record
Mailing Address	5 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	May 27, 2009 · Amount on Record
Deed Document Number	202138697
Deed Book / Page	2584 / 740
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	0025840740
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 15, 2021
Property Address	5 CUNNINGHAM LN, PALM COAST, FL 32137-9087
Document Number	0025840740
Book / Page	2584 / 740
Map Reference	MB 6 PG 81-86
Instrument Date	Jun 25, 2021
Instrument	2021038697
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	FAULKNER COUNTY ABSTRACT COMPANY, FLAGLER COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,423.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	56 COZINE RD, 56, CENTER MORICHES, NY 11934-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 CUNNINGHAM LN, PALM COAST, FL 32137-9087

Mortgage

Document Number	2584741
Date	Jul 15, 2021
Instrument	2584/741

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

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	$3,753.00 (-48.86%) Homeowner's exemption Veteran's exemption	$461,207 (+5.99%)	$468,392 (+6.61%) Land $117,000 Building $351,392
2024	$7,338.00 (+2.23%)
2023	$7,178.00 (+0.66%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$435,154 (+3%)	$439,335 (+3.99%) Land $117,000 Building $322,335
2022	$7,131.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$422,480 Land $118,500 Building $303,980	$422,480 Land $118,500 Building $303,980

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
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