20 Rykill Way, Palm Coast, FL 32164 Property Records

Flagler County property record for 20 Rykill Way, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,100 sqft · built 2003
Lot Size	0.233 acres (10,193 sqft)
Owner	2 Owner Names on File
Last Sale	$130,800 (Jan 2004)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00490-0050`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00490-0050`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,100 sqft Heated Area
Gross Area	2,500 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,193 sqft (0.233 acres)
Driveway	Driveway
Driveway Area	396 sqft
Pool Area	480 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	20 RYKILL WAY
City	PALM COAST
State	FL
Zip	32164-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 29 BL 49 LOT 5 OR 253 PG 77 OR 535 PG 1477 OR 850 PG 112 OR 868 PG 1033 OR 1030 PG 1432
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	49
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3007
Census Tract	60214

Owner

The current owner of 20 Rykill Way bought it in January 2004.

Source: Flagler County records, as of December 22, 2025

Owner of Record	2 Owner Names on File
Mailing Address	20 RYKILL WAY, PALM COAST, FL 32164-3403
Occupancy	Owner Occupied

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

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2004 · Amount on File
Deed Sale	Jan 13, 2004 · Amount on File
Prior Sale	Dec 5, 2002 · Amount on File
Deed Document Number	0103001432
Deed Book / Page	01030 / 01432
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	20 RYKILL WAY, PALM COAST, FL 32164-3403
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RYKILL WAY, PALM COAST, FL 32164-3403

Mortgage

Document Number	0026661732
Date	Mar 11, 2022
Book Page	2666/1732
Instrument	2022012998

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	20 RYKILL WAY, PALM COAST, FL 32164-3403
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RYKILL WAY, PALM COAST, FL 32164-3403

Mortgage

Document Number	0028010818
Date	Aug 1, 2023
Book Page	2801/818
Instrument	2023033328

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 20 Rykill Way was $2,190 with a homeowner's exemption, up 2.7% from the year before.

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	$2,190.00 (+2.72%) Homeowner's exemption	$163,671 (+2.9%)	$295,936 (+2.62%) Land $55,000 Building $240,936
2024	$2,132.00 (+3.04%) Homeowner's exemption	$159,058 (+3%)	$288,376 (-2.98%) Land $44,000 Building $244,376
2023	$2,069.00 (+1.42%) Homeowner's exemption	$154,425 (+3%)	$297,237 (+4.81%) Land $43,000 Building $254,237
2022	$2,040.00 Homeowner's exemption	$149,927	$283,586 Land $44,500 Building $239,086

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

Flood

FEMA maps place 20 Rykill Way 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 20 Rykill Way is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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