Flagler County property record for 165 Ryan Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,590 sqft · built 2018 |
| Lot Size | 0.307 acres (13,373 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jan 2021) |
| Tax Bill | $4,256 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Jan 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00540-0220 |
| Primary APN | 07-11-31-7029-00540-0220 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| Gross Area | 2,186 sqft |
| 1st Floor Area | 1,590 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,373 sqft (0.307 acres) |
| Driveway | Concrete Driveway |
| Driveway Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 165 RYAN DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6488 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SEC 29 BL 54 LT 22 OR 256 PG 327 OR 591 PG 93-DC OR 591 PG 94-ACM OR 591 PG 95 OR 1027/477 OR 2221/890 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 54 |
| Legal Lot Number | 22 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 60214 |
165 Ryan Dr is owned and occupied by two individuals who bought it in January 2021.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| 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 |
|---|---|
| Jan 30, 2020 | Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB |
| Jan 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP |
| Mar 20, 2018 | Loan Modification, Mortgage · VA Mortgage FBT MTG |
| Aug 2, 2017 | Warranty Deed, Transfer · VA Mortgage FBT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2021 · Amount on File |
| Deed Sale | Jan 21, 2021 · Amount on File |
| Prior Sale | Aug 2, 2017 · Amount on File |
| Deed Document Number | 20213066 |
| Deed Book / Page | 2517 / 1561 |
| Prior Transfer Date | Aug 21, 1997 |
| Prior Transfer Doc | 0005910248 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0024160335 |
|---|---|
| Date | Jan 30, 2020 |
| Book Page | 2416/0335 |
| Instrument | 2020003862 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 21, 2021 |
| Property Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| Document Number | 0025171561 |
| Book / Page | 2517 / 1561 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Dec 13, 2020 |
| Instrument | 2021003066 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTHERN TITLE HOLDING COMPANY LLC, SOUTHERN TITLE HLDG CO LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 119 GRANDVIEW DR, 119, RUTHERFORDTON, NC 28139-8492 |
| Name | Verified Name |
|---|---|
| Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| Document Number | 0025171563 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 2517/1563 |
| Name | LENDSURE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| Document Number | 0022680777 |
| Instrument Date | Mar 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2165 RYAN DR PALM COAST FL 32164, PALM COAST, FL 32164 |
| Document Number | 0022680777 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 002268/000777 |
| Instrument | 11191 |
| Name | FBT MTG |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 26, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 2, 2017 |
| Property Address | 165 RYAN DR, PALM COAST, FL 32164-6488 |
| Document Number | 0022210890 |
| Book / Page | 2221 / 0890 |
| Map Reference | MB10 PG17 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 2017026865 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | SOUTHERN TITLE HOLDING CO LL |
| Amount | Amount on Record |
|---|---|
| Tax | $84.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1907 NW 85TH LOOP, 1907, OCALA, FL 34475-1679 |
| Name | Verified Name |
|---|---|
| Address | 71 PHEASANT DR, PALM COAST, FL 32164-6781 |
| Document Number | 2017026866 |
|---|---|
| Date | Aug 2, 2017 |
| Instrument | 2017026866 |
| Name | FBT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 165 Ryan Dr was $4,256 with a homeowner's exemption, up 2.5% 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 | $4,256.00 (+2.48%) Homeowner's exemption | $277,346 | $277,910 Land $55,000 Building $222,910 |
| 2024 | $4,153.00 (-4.59%) | ||
| 2023 | $4,353.00 (-0.21%) Homeowner's exemption | $277,687 (+2.1%) Land $43,000 Building $234,687 | $277,687 (+2.1%) Land $43,000 Building $234,687 |
| 2022 | $4,362.00 Homeowner's exemption | $271,985 Land $44,500 Building $227,485 | $271,985 Land $44,500 Building $227,485 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 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 165 Ryan Dr 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 80% of the US · lower than 93% 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 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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