20 Rainstone Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 20 Rainstone Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	8 bd · 4 ba · 3,049 sqft · built 2022
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$366,000 (Mar 2022)
Tax Bill	$8,092 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7030-00230-0110`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7030-00230-0110`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,049 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 RAINSTONE LN
City	PALM COAST
State	FL
Zip	32164-6848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SECTION 30 BLOCK 00023 LOT 0011 SUBDIVISION COMPLETION YEAR 1980 OR 200 PG 325 OR 350 PG 825 (DC) OR 350 PG 824 OR
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	23
Legal Lot Number	11
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	13121 FIRTREE CT, SAINT LOUIS, MO 63146-1811
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CITIZENS BANK NA
Mar 2, 2021	Warranty Deed, Transfer
Dec 4, 2020	Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on Record
Deed Sale	Mar 24, 2022 · Amount on Record
Prior Sale	Mar 2, 2021
Deed Document Number	2022015449
Deed Book / Page	2671 / 67
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 24, 2022
Property Address	20 RAINSTONE LN, PALM COAST, FL 32164-6848
Document Number	0026710067
Book / Page	2671 / 67
Map Reference	MB 10 PG 34
Instrument Date	Mar 16, 2022
Instrument	2022015449
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 29, 2024
Title Company	AVIS TITLE INSURANCE AGENCY INC, AVIS TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,562.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # PKWY7, PKWY7, PALM COAST, FL 32164-8407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13121 FIRTREE CT, SAINT LOUIS, MO 63146-1811

Mortgage

Document Number	0000267168
Date	Mar 24, 2022
Instrument	2671/68

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 2, 2021
Property Address	20 RAINSTONE LN, PALM COAST, FL 32164-6848
Document Number	0025330231
Book / Page	2533 / 231
Map Reference	MB 10 PG 34
Instrument Date	Feb 17, 2021
Instrument	2021010752
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13121 FIRTREE CT, SAINT LOUIS, MO 63146-1811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 CYPRESS POINT PKWY # 7, 7, PALM COAST, FL 32164-8407

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 4, 2020
Property Address	20 RAINSTONE LN, PALM COAST, FL 32164-6848
Document Number	0025020085
Book / Page	002502 / 000085
Instrument Date	Nov 24, 2020
Instrument	50606
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$244.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13121 FIRTREE CT ST LOUIS MO 631461811, ST LOUIS, MO 63146-1811

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	$8,092.00 (-3.26%)	$445,291 (-1.38%) Land $53,500 Building $391,791	$445,291 (-1.38%) Land $53,500 Building $391,791
2023	$8,365.00 (+888.77%)	$451,506 (+914.62%) Land $43,500 Building $408,006	$451,506 (+914.62%) Land $43,500 Building $408,006
2022	$846.00	$44,500 Land $44,500	$44,500 Land $44,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

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