Flagler County property record for 121 Ryan Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,715 sqft · built 2003 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,000 (Dec 2023) |
| Tax Bill | $4,985 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00340-0010 |
| Primary APN | 07-11-31-7029-00340-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,715 sqft Heated Area |
| Gross Area | 2,469 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,502 sqft (0.287 acres) |
| Driveway | Driveway |
| Driveway Area | 864 sqft |
| Pool Type | Enclosed Pool |
| Pool Area | 913 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 121 RYAN DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 29 BLOCK 00034 LOT 0001 SUBDIVISION COMPLETION YEAR 1981 OR 512 PG 1988 OR 842 PG 1468 OR 904 PG 531 OR 23 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 34 |
| Legal Lot Number | 1 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 60214 |
Source: Flagler County records, as of December 22, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Dec 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Mar 15, 2018 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 26, 2019 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Jul 18, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Aug 31, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2023 · Amount on Record |
| Deed Sale | Dec 8, 2023 · Amount on Record |
| Prior Sale | Mar 26, 2019 · Amount on Record |
| Deed Document Number | 2023053114 |
| Deed Book / Page | 2832 / 359 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0025600090 |
|---|---|
| Date | May 7, 2021 |
| Book Page | 2560/90 |
| Instrument | 2021025273 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0027381787 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 2738/1787 |
| Instrument | 2022056812 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022651134 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 2265/1134 |
| Instrument | 2018009349 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 26, 2019 |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0023431305 |
| Book / Page | 2343 / 1305 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Mar 22, 2019 |
| Instrument | 2019010211 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | PIONEER TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 RAELAND LN, 27, PALM COAST, FL 32164-6856 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 2019010212 |
|---|---|
| Date | Mar 26, 2019 |
| Instrument | 2019010212 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0022951661 |
| Instrument Date | Jul 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 121 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Number | 0022951661 |
|---|---|
| Date | Jul 27, 2018 |
| Book Page | 002295/001661 |
| Instrument | 28119 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 26, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 121 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0022291619 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 121 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Number | 0022291619 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 002229/001619 |
| Instrument | 32038 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Flagler County assessment roll, as of July 1, 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 | $4,985.00 (+53.05%) Homeowner's exemption | $317,441 (+45.27%) Land $55,000 Building $262,441 | $317,441 (+3.09%) Land $55,000 Building $262,441 |
| 2023 | $3,257.00 (+1.02%) Homeowner's exemption | $218,511 (+3%) | $307,921 (+4.67%) Land $43,000 Building $264,921 |
| 2022 | $3,224.00 Homeowner's exemption | $212,146 | $294,170 Land $44,500 Building $249,670 |
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 Record 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 | 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 251 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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