3 Ryecroft Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 3 Ryecroft Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,026 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Nov 2023)
Tax Bill	$5,072 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00130-0290`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00130-0290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,026 sqft Living Area
Gross Area	2,726 sqft
1st Floor Area	2,026 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
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	512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 RYECROFT LN
City	PALM COAST
State	FL
Zip	32164-6427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 29 BLOCK 00013 LOT 0029 SUBDIVISION COMPLETION YEAR 1981 OR 253 PG 539 OR 941 PG 1666 OR 1041 PG 688 OR 1981/859 OR 2461/1646
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	13
Legal Lot Number	29
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3023
Census Tract	60214

Owner

Source: Flagler County records, as of May 5, 2026

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	31 DIAMOND ST, 7, BROOKLYN, NY 11222-4180
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Warranty Deed, Transfer · Conventional Mortgage POLISH & SLAVIC FCU
Sep 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage AMERIS BANK
Jul 27, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Deed Document Number	202351084
Deed Book / Page	2829 / 381
Prior Transfer Date	Dec 20, 2013
Prior Transfer Doc	0019810859
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 28, 2023
Property Address	3 RYECROFT LN, PALM COAST, FL 32164-6427
Document Number	0028290381
Book / Page	2829 / 381
Map Reference	MB 10 PG 17-29
Instrument Date	Nov 20, 2023
Instrument	2023051084
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	FLORIDA TITLE AND CLOSING COMPANY, FLORIDA CLOSING COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 ALAGON WAY, SAINT AUGUSTINE, FL 32084-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 DIAMOND ST APT 7, 7, BROOKLYN, NY 11222-4180

Mortgage

Document Number	0002829383
Date	Nov 28, 2023
Instrument	2829/383

Lender

Name	POLISH & SLAVIC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Dec 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.87%
Max Rate At Change	9.87%
Index	5-Year TN
Margin	3
Max Rate	12.8%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	3 RYECROFT LN, PALM COAST, FL 32164-6427
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022290008
Date	Sep 6, 2017
Book Page	2229/0008
Instrument	2017031627

Lender

Name	AMERIS BANK
Type	Bank
Address	PALM COAST, FL 32164

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 27, 2020
Property Address	3 RYECROFT LN, PALM COAST, FL 32164-6427
Document Number	0024611646
Book / Page	002461 / 001646
Instrument Date	Jul 24, 2020
Instrument	28686
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
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	3 RYECROFT LN PALM COAST FL 321646427, PALM COAST, FL 32164-6427

Mortgage

Document Number	24611648
Date	Jul 27, 2020
Book Page	002461/001648
Instrument	28687

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$5,072.00 (+2.28%)	$279,082 (+43.04%) Land $55,000 Building $224,082	$279,082 (-0.05%) Land $55,000 Building $224,082
2024	$4,959.00 (+75.66%)
2023	$2,823.00 (+1.51%) Homeowner's exemption	$195,109 (+3.3%)	$279,228 (+11.38%) Land $43,000 Building $236,228
2022	$2,781.00 Homeowner's exemption	$188,878	$250,691 Land $44,500 Building $206,191

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 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

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	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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