3 Ramsgate Pl, Palm Coast, FL 32164 Property Records

Flagler County property record for 3 Ramsgate Pl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,203 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,100 (May 2019)
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7030-00810-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7030-00810-0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,203 sqft Heated Area
Gross Area	2,868 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	572 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3 RAMSGATE PL
City	PALM COAST
State	FL
Zip	32164-6858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 30 BLOCK 00081 LOT 0002 SUBDIVISION COMPLETION YEAR 1980 OR 225 PG 415 OR 2087/216-DC OR 2155/824-ACM OR 2
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	81
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2025
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	2 Individual Names on Record
Mailing Address	3 RAMSGATE PL, PALM COAST, FL 32164-6858
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
May 7, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS
Aug 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2019 · Amount on Record
Deed Sale	May 7, 2019 · Amount on Record
Prior Sale	Aug 24, 2018
Deed Document Number	2019016331
Deed Book / Page	2353 / 1168
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 RAMSGATE PL, PALM COAST, FL 32164-6858
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024720723
Date	Aug 31, 2020
Book Page	2472/723
Instrument	2020034312

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 7, 2019
Property Address	3 RAMSGATE PL, PALM COAST, FL 32164-6858
Document Number	0023531168
Book / Page	002353 / 001168
Instrument Date	Apr 29, 2019
Instrument	16331
Transaction Type	Subdivision Related Transfer
Record Updated	May 16, 2019
Title Company	R/T COAST TITLE INSURANCE AGENCY INC, R/T COAST TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,659.69
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8 RIVIERE LN PALM COAST FL 321643422, PALM COAST, FL 32164-3422

Mortgage

Document Number	23531169
Date	May 7, 2019
Book Page	002353/001169
Instrument	16332

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 24, 2018
Property Address	3 RAMSGATE PL, PALM COAST, FL 32164-6858
Document Number	0023011925
Book / Page	002301 / 001925
Instrument Date	Jul 25, 2018
Instrument	32285
Transaction Type	Transfer
Record Updated	Sep 12, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	185 CYPRESS POINT PKWY #7 PALM COAST FL 321648407, 7, PALM COAST, FL 32164-8407
Investor	Possibly a Property Investor

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	$3,675.00 (+5.09%) Homeowner's exemption	$245,362 (+5.99%)	$302,421 (-0.99%) Land $53,500 Building $248,921
2023	$3,497.00 (+0.95%) Homeowner's exemption	$231,502 (+3%)	$305,439 (+2.44%) Land $43,500 Building $261,939
2022	$3,464.00 Homeowner's exemption	$224,760	$298,154 Land $44,500 Building $253,654

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	0.03% 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 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

Cell Coverage

5G and 4G LTE (outdoors only)

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