21 Ridge Rd, Palm Coast, FL 32137 Property Records

Flagler County property record for 21 Ridge Rd, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,268 sqft · built 2023
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$513,900 (Jan 2026)
Tax Bill	$7,488 (2025)
Deeds & Mortgages	May 2024 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-2010`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-2010`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,268 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	21 RIDGE RD
City	PALM COAST
State	FL
Zip	32137-9810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SAWMILL CREEK AT PALM COAST PARK MB 39 PG 36 LOT 201
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST
Legal Lot Number	201
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

Owner

Source: Flagler County records, as of January 23, 2026

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 RIDGE RD, PALM COAST, FL 32137-9810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jan 8, 2026	Warranty Deed, Transfer · VA Mortgage EXCEL MORTGAGE NETWORK INC
Oct 4, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage RMC HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2026 · Amount on Record
Deed Sale	Jan 8, 2026 · Amount on Record
Prior Sale	Oct 4, 2023 · Amount on Record
Deed Document Number	2026001505
Deed Book / Page	3021 / 795
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	21 RIDGE RD, PALM COAST, FL 32137-9810
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 RIDGE RD, PALM COAST, FL 32137-9810

Mortgage

Document Number	0028680516
Date	May 10, 2024
Book Page	2868/516
Instrument	2024019604

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 8, 2026
Property Address	21 RIDGE RD, PALM COAST, FL 32137-9810
Document Number	0030210795
Book / Page	3021 / 795
Map Reference	MB 39 PG 36-43
Instrument Date	Jan 8, 2026
Instrument	2026001505
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	PARADISE TITLE/STATE AUGUSTINE, PARADISE TTL OF ST AUGUSTINE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,597.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 ETHAN ALLEN DR, PALM COAST, FL 32164-2903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 RIDGE RD, PALM COAST, FL 32137-9810

Mortgage

Document Number	0003021797
Date	Jan 8, 2026
Instrument	3021/797

Lender

Name	EXCEL MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 4, 2023
Property Address	21 RIDGE RD, PALM COAST, FL 32137-9810
Document Number	0028161614
Book / Page	2816 / 1614
Map Reference	MB 39 PG 36-43
Instrument Date	Sep 20, 2023
Instrument	2023043161
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2024
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,504.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5220 SHAD RD, JACKSONVILLE, FL 32257-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 RIDGE RD, PALM COAST, FL 32137-9810

Mortgage

Document Number	0028161615
Date	Oct 4, 2023
Instrument	2816/1615

Lender

Name	RMC HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

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	$7,488.00 (+181.4%)	$412,046 (+707.93%) Land $45,000 Building $367,046	$412,046 (+707.93%) Land $45,000 Building $367,046
2023	$2,661.00 (-1.52%)	$51,000 (-) Land $51,000	$51,000 (-) Land $51,000
2022	$2,702.00	$51,000 Land $51,000	$51,000 Land $51,000

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 54 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	3 (2001–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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