18 Rainstone Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 18 Rainstone Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,781 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$223,900 (Feb 2006)
Tax Bill	$2,286 (2025)
Deeds & Mortgages	Sep 2018 Loan Modification Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7030-00230-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7030-00230-0120`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,781 sqft Heated Area
Gross Area	2,500 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	416 sqft
Pool Type	Pool with Hot Tub/Spa
Pool Area	1,080 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	18 RAINSTONE LN
City	PALM COAST
State	FL
Zip	32164-6811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SEC 30 BL 23 LT 12 OR 358 PG 338 OR 365 PG 709 OR 452 PG 1059 OR 467 PG 1341 OR 661 PG 737 OR 661 PG 743 OR 739 PG
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	23
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2014
Census Tract	60214

Owner

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	18 RAINSTONE LN, PALM COAST, FL 32164-6811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK
Sep 6, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2006 · Amount on Record
Deed Sale	Feb 27, 2006 · Amount on Record
Prior Sale	Jul 7, 2005 · Amount on Record
Deed Document Number	2006010148
Deed Book / Page	1398 / 1282
Record Updated	Jun 8, 2026

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	18 RAINSTONE LN, PALM COAST, FL 32164-6811
Document Number	0023111061
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 RAINSTONE LN PALM COAST FL 321646811, PALM COAST, FL 32164-6811

Mortgage

Document Number	0023111061
Date	Oct 9, 2018
Book Page	002311/001061
Instrument	38282

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	18 RAINSTONE LN, PALM COAST, FL 32164-6811
Document Number	0023110352
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 19, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 RAINSTONE LN PALM COAST FL 321646811, PALM COAST, FL 32164-6811

Mortgage

Document Number	0023110352
Date	Oct 5, 2018
Book Page	002311/000352
Instrument	38014

Lender

Name	SECRETARY/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 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	$2,286.00 (+5.74%) Homeowner's exemption	$168,965 (+5.99%)	$306,366 (-1.47%) Land $53,500 Building $252,866
2023	$2,162.00 (+1.41%) Homeowner's exemption	$159,420 (+3%)	$310,933 (+5.47%) Land $43,500 Building $267,433
2022	$2,132.00 Homeowner's exemption	$154,777	$294,810 Land $44,500 Building $250,310

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

Flood

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 41 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% 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.

Nearby Properties on Rainstone Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures