Flagler County property record for 21 Ryding Ln, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,020 sqft · built 2003 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Aug 2017) |
| Tax Bill | $2,726 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Dec 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00330-0060 |
| Primary APN | 07-11-31-7029-00330-0060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| Gross Area | 2,530 sqft |
| 1st Floor Area | 2,020 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 | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 21 RYDING LN |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 29 BLOCK 00033 LOT 0006 SUBDIVISION COMPLETION YEAR 1981 OR 242 PG 104 OR 870 PG 853 OR 883 PG 746 OR 1015/1355 OR 2223/1733 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 33 |
| Legal Lot Number | 6 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 60214 |
21 Ryding Ln is owned and occupied by two individuals who acquired it in August 2024.
Source: Flagler County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 27, 2023 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 21, 2021 | Deed of Trust, Mortgage POINT DIGITAL FINANCE INC |
| Jan 19, 2023 | Intrafamily Transfer, Transfer |
| May 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 18, 2018 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Aug 11, 2017 | Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2017 · Amount on File |
| Deed Sale | Aug 11, 2017 · Amount on File |
| Prior Sale | Dec 3, 2003 · Amount on File |
| Deed Document Number | 201728331 |
| Deed Book / Page | 2223 / 1733 |
| Last Transfer Date | Aug 14, 2024 |
| Transfer Doc | 0028951528 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0027750763 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | 2775/763 |
| Instrument | 2023017662 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0026401323 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 2640/1323 |
| Instrument | 2021069533 |
| Name | POINT DIGITAL FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | PALO ALTO, CA 94302 |
| Amount | Amount on Record |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Jan 19, 2023 |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0027511243 |
| Book / Page | 2751 / 1243 |
| Map Reference | MB 242 PG 104 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 2023002457 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0024520096 |
| Instrument Date | May 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN PALM COAST FL 321646012, PALM COAST, FL 32164-6012 |
| Document Number | 0024520096 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 002452/000096 |
| Instrument | 23394 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Jun 22, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0022911119 |
| Instrument Date | May 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 21 RYDING LN PALM COAST FL 321646012, PALM COAST, FL 32164-6012 |
| Document Number | 0022911119 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 002291/001119 |
| Instrument | 25390 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 11, 2017 |
| Property Address | 21 RYDING LN, PALM COAST, FL 32164-6012 |
| Document Number | 0022231733 |
| Book / Page | 002223 / 001733 |
| Instrument Date | Jul 17, 2017 |
| Instrument | 28331 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 RYDING LN PALM COAST FL 321646000, PALM COAST, FL 32164-6000 |
| Document Number | 22231737 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 002223/001737 |
| Instrument | 28333 |
| Name | MICHIGAN MUTUAL |
|---|---|
| Type | Funding / Finance Company |
| Address | PORT HURON, MI 48060 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 10, 2047 |
The 2025 property tax bill for 21 Ryding Ln was $2,726, up 2.6% 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 | $2,726.00 (+2.6%) | $193,188 | $268,236 Land $55,000 Building $213,236 |
| 2024 | $2,657.00 (+4.52%) | ||
| 2023 | $2,542.00 (+1.23%) Homeowner's exemption | $179,946 (+3%) | $265,496 (+3.91%) Land $43,000 Building $222,496 |
| 2022 | $2,511.00 Homeowner's exemption | $174,705 | $255,501 Land $44,500 Building $211,001 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Ryding Ln 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 21 Ryding Ln is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 292 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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