Flagler County property record for 54 Cooper Ln, Palm Coast, FL 32137
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,696 sqft · built 1972 |
| Lot Size | 0.307 acres (13,416 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Dec 2020) |
| Tax Bill | $2,432 (2025) |
| Deeds & Mortgages | May 2022 Second Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7008-00020-0330 |
| Primary APN | 07-11-31-7008-00020-0330 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,696 sqft Heated Area |
| Gross Area | 3,060 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,416 sqft (0.307 acres) |
| Driveway | Driveway |
| Driveway Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 54 COOPER LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32137-8129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY CLUB COVE SECT 8 BL 2 LT 33 OR 51 PG 25 OR 238 PG 860 OR 240 PG 767-CWD OR 526 PG 1225 OR 530 PG 159 & PG 160(DC&ACM) |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | COUNTRY CLUB COVE |
| Legal Block | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | FLAGLER BEACH |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 60103 |
Source: Flagler County records · APN 07-11-31-7008-00020-0330
Assessment roll updated July 1, 2025 · Last verified January 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 12, 2019 | Grant Deed, Transfer BUYERS TITLE |
| May 21, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Jul 12, 2019 · Amount on Record |
| Deed Document Number | 2020053914 |
| Deed Book / Page | 2508 / 1018 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0026910755 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 2691/755 |
| Instrument | 2022027557 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0025081018 |
| Book / Page | 2508 / 1018 |
| Map Reference | MB 6 PG 28-33 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 2020053914 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2021 |
| Title Company | SELECT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 42 COTTONWOOD TRL, 42, PALM COAST, FL 32137-2761 |
| Name | Verified Name |
|---|---|
| Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 25081020 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2508/1020 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jul 12, 2019 |
| Property Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0023690048 |
| Book / Page | 002369 / 000048 |
| Instrument Date | Jul 09, 2019 |
| Instrument | 25608 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2019 |
| Title Company | BUYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,134.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 54 COOPER LN PALM COAST FL 321378129, PALM COAST, FL 32137-8129 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 21, 2019 |
| Property Address | 54 COOPER LN, PALM COAST, FL 32137-8129 |
| Document Number | 0023561201 |
| Book / Page | 002356 / 001201 |
| Instrument Date | May 09, 2019 |
| Instrument | 18324 |
| Transaction Type | Foreclosure |
| Record Updated | May 31, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132 |
Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 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 | $2,432.00 (+5.65%) Homeowner's exemption | $176,986 (+5.99%) | $214,099 (+3.9%) Land $61,500 Building $152,599 |
| 2023 | $2,302.00 (+1.32%) Homeowner's exemption | $166,989 (+3%) | $206,058 (+12.02%) Land $61,500 Building $144,558 |
| 2022 | $2,272.00 Homeowner's exemption | $162,125 | $183,950 Land $61,500 Building $122,450 |
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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