13 Ryan Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 13 Ryan Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,842 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$228,000 (Mar 2013)
Tax Bill	$4,305 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00070-0070`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00070-0070`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,842 sqft Living Area
Gross Area	3,739 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	10,019 sqft (0.23 acres)
Driveway	Brick Driveway
Driveway Area	968 sqft
Pool Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	13 RYAN DR
City	PALM COAST
State	FL
Zip	32164-6479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 29 BL 7 LT 7 OR 326 PG 494 OR 590 PG 1009 OR 1077 PG 531 OR 1337 PG 1020 OR 1683/973 OR 1703/1602 OR 1925/178
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	7
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3008
Census Tract	60214

Owner

13 Ryan Dr is owned and occupied by two individuals who acquired it in August 2021.

Source: Flagler County records, as of December 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	13 RYAN DR, PALM COAST, FL 32164-6479
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 9, 2021	Intrafamily Transfer, Transfer AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2013 · Amount on File
Deed Sale	Mar 5, 2013 · Amount on File
Prior Sale	Feb 26, 2009 · Amount on File
Deed Document Number	20137502
Deed Book / Page	1925 / 178
Last Transfer Date	Aug 4, 2021
Transfer Doc	0025921787
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	13 RYAN DR, PALM COAST, FL 32164-6479
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 RYAN DR, PALM COAST, FL 32164-6479

Mortgage

Document Number	0030160504
Date	Dec 22, 2025
Book Page	3016/504
Instrument	2025051538

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Dec 27, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Aug 9, 2021
Property Address	13 RYAN DR, PALM COAST, FL 32164-6479
Document Number	0025921787
Book / Page	2592 / 1787
Map Reference	MB 10 PG 17-29
Instrument Date	Aug 4, 2021
Instrument	2021043451
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 RYAN DR, PALM COAST, FL 32164-6479

Tax Assessment & Valuation

The 2025 property tax bill for 13 Ryan Dr was $4,305 with a homeowner's exemption, up 2.4% from the year before.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Palm Coast City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,305.00 (+2.4%) Homeowner's exemption	$280,056	$409,245 Land $55,000 Building $354,245
2024	$4,204.00 (+2.44%)
2023	$4,104.00 (+0.88%) Homeowner's exemption	$264,237 (+3%)	$417,648 (+3.26%) Land $43,000 Building $374,648
2022	$4,068.00 Homeowner's exemption	$256,541	$404,472 Land $44,500 Building $359,972

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13 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

Wildfire risk around 13 Ryan Dr is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 385 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
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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