Flagler County property record for 123 Ryan Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,574 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $121,700 (Mar 2004) |
| Tax Bill | $1,314 (2025) |
| Deeds & Mortgages | Mar 2022 Reverse Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00340-0020 |
| Primary APN | 07-11-31-7029-00340-0020 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 2,272 sqft |
| 1st Floor Area | 1,574 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Driveway | Driveway |
| Driveway Area | 896 sqft |
| Pool Area | 651 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 123 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 0002 SUBDIVISION COMPLETION YEAR 1981 OR 449 PG 1680 OR 933 PG 90 OR 981 PG 1749 OR 1051/1612 OR 2422/756- CD |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 34 |
| Legal Lot Number | 2 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 60214 |
123 Ryan Dr is owned and occupied by an individual who acquired it in February 2020.
Source: Flagler County records, as of March 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 17, 2022 | Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC |
| Feb 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage ONE REVERSE MTG |
| Feb 24, 2020 | Correction Deed AMROCK INC |
| Feb 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2004 · Amount on File |
| Deed Sale | Mar 11, 2004 · Amount on File |
| Prior Sale | May 20, 2003 · Amount on File |
| Deed Document Number | 200412275 |
| Deed Book / Page | 1051 / 1612 |
| Last Transfer Date | Feb 11, 2020 |
| Transfer Doc | 0024220756 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0026690042 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 2669/42 |
| Instrument | 2022014278 |
| Name | ENNKAR INC |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92865 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 939 Months |
| Due | Jun 22, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.04% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 8.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0024220760 |
| Instrument Date | Feb 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 123 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Number | 0024220760 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 002422/000760 |
| Instrument | 7404 |
| Name | ONE REVERSE MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.08% |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Feb 24, 2020 |
| Property Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0024220756 |
| Book / Page | 002422 / 000756 |
| Instrument Date | Feb 17, 2020 |
| Instrument | 7403 |
| Record Updated | Mar 11, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 123 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0024220773 |
| Instrument Date | Feb 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 123 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Number | 0024220773 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 002422/000773 |
| Instrument | 7405 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 960 Months |
| Due | Feb 23, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.08% |
The 2025 property tax bill for 123 Ryan Dr was $1,314 with exemptions applied, up 2.7% 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 | $1,314.00 (+2.74%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $155,788 | $289,273 Land $55,000 Building $234,273 |
| 2024 | $1,279.00 (+5.79%) | ||
| 2023 | $1,209.00 (-2.89%) Homeowner's exemption Disabled Person's exemption Additional exemption filed | $146,987 (+3%) | $290,516 (+9.91%) Land $43,000 Building $247,516 |
| 2022 | $1,245.00 Homeowner's exemption Disabled Person's exemption Additional exemption filed | $142,706 | $264,321 Land $44,500 Building $219,821 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 Ryan Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.
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.
Wildfire risk around 123 Ryan Dr is low, with a 0.05% annual chance of wildfire.
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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