Flagler County property record for 10 Rivera Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,775 sqft · built 2002 |
| Lot Size | 0.746 acres (32,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (May 2024) |
| Tax Bill | $4,397 (2025) |
| Deeds & Mortgages | May 2023 Second Mortgage Jul 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7031-00540-0430 |
| Primary APN | 07-11-31-7031-00540-0430 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,775 sqft Living Area |
| Gross Area | 2,318 sqft |
| 1st Floor Area | 1,775 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 32,496 sqft (0.746 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 1,058 sqft |
| Pool Area | 288 sqft |
| Deck Area | 472 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10 RIVERA LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 31 BLK 54 LTS 43 & 44 OR 267 PP 846/847 OR 521/764-DC OR 521/765 OR 643/241 OR 689/1724 OR 761/634/RLE OR 1206/1072 OR 1712/805-SAVAGE TRUST OR 1719/1642 OR 2404/1880-1881 -NO LEGAL |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 54 |
| Legal Lot Number | 43 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 60214 |
10 Rivera Ln is owned and occupied by two individuals who bought it in May 2024.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| 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 |
|---|---|
| May 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPACE COAST CU |
| Jul 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPACE COAST CU |
| May 15, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2024 · Amount on File |
| Deed Sale | May 15, 2024 · Amount on File |
| Prior Sale | Mar 27, 2002 · Amount on File |
| Deed Document Number | 202420305 |
| Deed Book / Page | 2869 / 722 |
| Prior Transfer Date | May 5, 2022 |
| Prior Transfer Doc | 0000024727 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Document Number | 0027790331 |
|---|---|
| Date | May 9, 2023 |
| Book Page | 2779/331 |
| Instrument | 2023019887 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Apr 25, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Document Number | 0027991898 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 2799/1898 |
| Instrument | 2023032357 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 57 Months |
| Due | Apr 25, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | May 15, 2024 |
| Property Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Document Number | 0028690722 |
| Book / Page | 2869 / 722 |
| Map Reference | MB 10 PG 43-53 |
| Instrument Date | May 6, 2024 |
| Instrument | 2024020305 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | PROFESSIONAL CLOSING TITLE, PROFESSIONAL CLOSING, INC. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 352949, PALM COAST, FL 32135-2949 |
| Name | Verified Name |
|---|---|
| Address | 10 RIVERA LN, PALM COAST, FL 32164-6468 |
| Document Number | 0002869724 |
|---|---|
| Date | May 15, 2024 |
| Instrument | 2869/724 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
The 2025 property tax bill for 10 Rivera Ln was $4,397, up 128.9% 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 | $4,397.00 (+128.89%) | $290,118 Land $80,250 Building $209,868 | $290,118 Land $80,250 Building $209,868 |
| 2024 | $1,921.00 (+3.17%) | ||
| 2023 | $1,862.00 (+1.58%) Homeowner's exemption | $143,247 (+3%) | $293,090 (+8.85%) Land $66,750 Building $226,340 |
| 2022 | $1,833.00 Homeowner's exemption | $139,075 | $269,262 Land $66,750 Building $202,512 |
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 10 Rivera Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 49 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 49 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · Hurricane Frances |
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 10 Rivera Ln is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond 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 336 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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