Flagler County property record for 109 Ryecliffe Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,114 sqft · built 2005 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,900 (Jul 2008) |
| Tax Bill | $1,335 (2025) |
| Deeds & Mortgages | Oct 2017 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00120-0070 |
| Primary APN | 07-11-31-7029-00120-0070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,114 sqft Living Area |
| Gross Area | 2,719 sqft |
| 1st Floor Area | 2,114 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 12,502 sqft (0.287 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 416 sqft |
| Patio Area | 600 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 109 RYECLIFFE DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 29 BLOCK 00012 LOT 0007 OR 233 PG 384 OR 1095 PG 1199 OR 1349 PG 1633 OR 1462 PG 972 OR 1632/1928 OR 1671/744 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 12 |
| Legal Lot Number | 7 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 60214 |
Source: Flagler County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 20, 2017 | Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Oct 6, 2020 | Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Oct 7, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Dec 10, 2018 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2008 · Amount on File |
| Deed Sale | Jul 15, 2008 · Amount on File |
| Prior Sale | Dec 17, 2007 · Amount on File |
| Deed Document Number | 200821273 |
| Deed Book / Page | 1671 / 744 |
| Last Transfer Date | Jun 19, 2025 |
| Transfer Doc | 0029751505 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0022370291 |
|---|---|
| Date | Oct 20, 2017 |
| Book Page | 2237/0291 |
| Instrument | 2017036894 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28210 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Document Number | 0024830788 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | 2483/788 |
| Instrument | 2020040323 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Document Number | 0023910018 |
| Instrument Date | Oct 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 109 RYECLIFFE DR PALM COAST FL 321646421, PALM COAST, FL 32164-6421 |
| Document Number | 0023910018 |
|---|---|
| Date | Oct 14, 2019 |
| Book Page | 002391/000018 |
| Instrument | 38052 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 13, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 109 RYECLIFFE DR, PALM COAST, FL 32164-6421 |
| Document Number | 0023251905 |
| Instrument Date | Dec 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 109 RYECLIFFE DR PALM COAST FL 321646421, PALM COAST, FL 32164-6421 |
| Document Number | 0023251905 |
|---|---|
| Date | Dec 19, 2018 |
| Book Page | 002325/001905 |
| Instrument | 47332 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 18, 2048 |
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 | $1,335.00 (+2.77%) | $156,921 (+5.99%) | $279,971 (-0.08%) Land $55,500 Building $224,471 |
| 2024 | $1,299.00 (+5.7%) | ||
| 2023 | $1,229.00 (-35.76%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $148,057 (+3%) | $280,206 (+1.98%) Land $43,500 Building $236,706 |
| 2022 | $1,913.00 Homeowner's exemption Disabled Person's exemption | $143,745 | $274,760 Land $45,000 Building $229,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 62 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 249 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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