Flagler County property record for 20 Ryarbor Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,255 sqft · built 2003 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $87,000 (Apr 2024) |
| Tax Bill | $5,113 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00610-0290 |
| Primary APN | 07-11-31-7029-00610-0290 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,255 sqft Living Area |
| Gross Area | 2,909 sqft |
| 1st Floor Area | 2,255 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2010 |
| 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 | 486 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 20 RYARBOR DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DPX |
| Legal Description | PALM COAST SECTION 29 BLOCK 00061 LOT 0029 SUBDIVISION COMPLETION YEAR 1981 OR 312 PG 550 OR 873 PG 956 OR 1011 PG 356 OR 1262 PG 431 OR 2311/ 1138 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 61 |
| Legal Lot Number | 29 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 60214 |
20 Ryarbor Dr is owned and occupied by two individuals who bought it in April 2024.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 RYARBOR DR, PALM COAST, FL 32164-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 12, 2024 | Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 9, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 2024 · Amount on File |
| Deed Sale | Apr 12, 2024 · Amount on File |
| Prior Sale | Oct 9, 2018 · Amount on File |
| Deed Document Number | 202415333 |
| Deed Book / Page | 2861 / 362 |
| Prior Transfer Date | Apr 5, 2024 |
| Prior Transfer Doc | 0028610362 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 12, 2024 |
| Property Address | 20 RYARBOR DR, PALM COAST, FL 32164-3417 |
| Document Number | 0028610362 |
| Book / Page | 2861 / 362 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Apr 5, 2024 |
| Instrument | 2024015333 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $609.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 RYARBOR DR, PALM COAST, FL 32164-3417 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 RYARBOR DR, PALM COAST, FL 32164-3417 |
| Document Number | 0002861364 |
|---|---|
| Date | Apr 12, 2024 |
| Instrument | 2861/364 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Oct 9, 2018 |
| Property Address | 20 RYARBOR DR, PALM COAST, FL 32164-3417 |
| Document Number | 0023111138 |
| Book / Page | 002311 / 001138 |
| Instrument Date | Sep 26, 2018 |
| Instrument | 38323 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4719 HIDDEN LAKE DR PORT ORANGE FL 321297477, PORT ORANGE, FL 32129-7477 |
| Document Number | 23111140 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 002311/001140 |
| Instrument | 38324 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2048 |
The 2025 property tax bill for 20 Ryarbor Dr was $5,113, up 2.2% 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 | $5,113.00 (+2.24%) | $281,364 Land $55,000 Building $226,364 | $281,364 Land $55,000 Building $226,364 |
| 2024 | $5,001.00 (+1.85%) | ||
| 2023 | $4,910.00 (+4.6%) | $281,694 (+2.14%) Land $43,000 Building $238,694 | $281,694 (+2.14%) Land $43,000 Building $238,694 |
| 2022 | $4,694.00 | $275,795 Land $44,500 Building $231,295 | $275,795 Land $44,500 Building $231,295 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Ryarbor 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 20 Ryarbor Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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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