19 Ryding Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 19 Ryding Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,449 sqft · built 2000
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jul 2025)
Tax Bill	$774 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00330-0050`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00330-0050`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,449 sqft Living Area
Gross Area	2,604 sqft
1st Floor Area	1,449 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	636 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19 RYDING LN
City	PALM COAST
State	FL
Zip	32164-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 29 BL 33 LT 5 OR 525 PG 1250-SJ OR 548 PG 658 OR 553 PG 1539 OR 573 PG 1035 OR 660/1240 OR 2300/634
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	33
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3014
Census Tract	60214

Owner

19 Ryding Ln is owned by two individuals who bought it in July 2025.

Source: Flagler County records, as of December 8, 2025

Owner of Record	2 Individual Names on File
Mailing Address	612 THORNBURY CT, WESTMINSTER, MD 21158-3029
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2025 · Amount on File
Deed Sale	Jul 10, 2025 · Amount on File
Prior Sale	Jul 13, 1999 · Amount on File
Deed Document Number	202528695
Deed Book / Page	2975 / 297
Prior Transfer Date	Jul 9, 2025
Prior Transfer Doc	0029750297
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	19 RYDING LN, PALM COAST, FL 32164-6012
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 THORNBURY CT, WESTMINSTER, MD 21158-3029

Mortgage

Document Number	0030001923
Date	Oct 22, 2025
Book Page	3000/1923
Instrument	2025043246

Lender

Name	NORTHROP GRUMMAN FCU
Type	Credit Union
Address	GARDENA, CA 90248

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 19 Ryding Ln was $774, up 3.3% 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	$774.00 (+3.34%)	$126,044	$253,230 Land $55,000 Building $198,230
2024	$749.00 (+8.71%)
2023	$689.00 (-5.1%) Homeowner's exemption Widower's exemption Additional exemption filed	$118,923 (+3%)	$252,475 (+0.84%) Land $43,000 Building $209,475
2022	$726.00 Homeowner's exemption Widower's exemption Additional exemption filed	$115,459	$250,384 Land $44,500 Building $205,884

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

Flood

FEMA maps place 19 Ryding Ln 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 19 Ryding Ln 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.

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 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