21 Rainstone Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 21 Rainstone Ln, Palm Coast, FL 32164

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 5 ba · 2,998 sqft · built 1989
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (May 2015)
Tax Bill	$2,520 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Nov 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7030-00210-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7030-00210-0120`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,998 sqft Heated Area
Gross Area	4,233 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.114 acres)
Driveway	Driveway
Driveway Area	378 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	21 RAINSTONE LN
City	PALM COAST
State	FL
Zip	32164-6845
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	DPX
Legal Description	PALM COAST SEC 30 BL 21 LT 12 OR 275 PG 280 OR 331 PG 172 OR 572/1964 OR 2007/1700 OR 2063/1154
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	21
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2016
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	21 RAINSTONE LN, PALM COAST, FL 32164-6845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO
Nov 19, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITY OF PALM COAST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2015 · Amount on Record
Deed Sale	May 12, 2015 · Amount on Record
Deed Document Number	2015014337
Deed Book / Page	2063 / 1154
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	21 RAINSTONE LN, PALM COAST, FL 32164-6845
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022501726
Date	Jan 3, 2018
Book Page	2250/1726
Instrument	2018000246

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	21 RAINSTONE LN, PALM COAST, FL 32164-6845
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024970232
Date	Nov 19, 2020
Book Page	2497/232
Instrument	2020048027

Lender

Name	CITY OF PALM COAST
Type	Government Agency
Address	PALM COAST, FL 32164

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$2,520.00 (+5.57%) Homeowner's exemption	$181,961 (+5.9%)	$384,566 (+2.3%) Land $53,500 Building $331,066
2023	$2,387.00 (+1.32%) Homeowner's exemption	$171,819 (+2.96%)	$375,907 (+0.24%) Land $43,500 Building $332,407
2022	$2,356.00 Homeowner's exemption	$166,887	$374,989 Land $44,500 Building $330,489

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.

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