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31 Ryan Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 31 Ryan Dr, Palm Coast, FL 32164

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,535 sqft · built 2002
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Last Sale$275,000 (Jul 2021)
Tax Bill$3,422 (2025)
Deeds & MortgagesApr 2023 Second Mortgage
Jul 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN07-11-31-7029-00150-0160

Property Details

APN / Parcel Number

Primary APN07-11-31-7029-00150-0160

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,535 sqft Heated Area
Gross Area1,975 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2007
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)
DrivewayDriveway
Driveway Area416 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address31 RYAN DR
CityPALM COAST
StateFL
Zip32164-6480
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPALM COAST SECTION 29 BLOCK 00015 LOT 0016 SUBDIVISION COMPLETION YEAR 1981 OR 245 PG 579 OR 279 PG 545 OR 818 PG 1517 OR 943
Legal Range31E
Legal Township11S
Legal Section07
Legal SubdivisionPALM COAST
Legal Block15
Legal Lot Number16
JurisdictionFLAGLER FL
Township / Civil DivisionBUNNELL
Census Block Group3
Census Block3002
Census Tract60214

Owner

31 Ryan Dr is owned and occupied by an individual who bought it in July 2021.

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address31 RYAN DR, PALM COAST, FL 32164-6480
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Jul 9, 2021Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 17, 2020Warranty Deed, Transfer
COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 9, 2021 · Amount on File
Deed SaleJul 9, 2021 · Amount on File
Prior SaleNov 17, 2020 · Amount on File
Deed Document Number2021037477
Deed Book / Page2582 / 413
Record UpdatedJun 8, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFLAGLER FL
Property Address31 RYAN DR, PALM COAST, FL 32164-6480
Transaction TypeMortgage
Record UpdatedMay 5, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 RYAN DR, PALM COAST, FL 32164-6480

Mortgage

Document Number0027710612
DateApr 13, 2023
Book Page2771/612
Instrument2023014988
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term120 Months
DueApr 1, 2033

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateJul 9, 2021
Property Address31 RYAN DR, PALM COAST, FL 32164-6480
Document Number0025820413
Book / Page2582 / 413
Map ReferenceMB 10 PG 17-29
Instrument DateJul 5, 2021
Instrument2021037477
Transaction TypeTransfer
Record UpdatedJul 28, 2021
Title CompanyCOVENANT TITLE, COVCNANT CLOSING & TTL SVCS

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address13 ROCKING HORSE DR, 13, PALM COAST, FL 32164-6968

Transferred To (Grantee/Buyer)

NameVerified Name
Address31 RYAN DR, PALM COAST, FL 32164-6480

Mortgage

Document Number2582415
DateJul 9, 2021
Instrument2582/415
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2051

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFLAGLER FL
Recording DateNov 17, 2020
Property Address31 RYAN DR, PALM COAST, FL 32164-6480
Document Number0024960153
Book / Page002496 / 000153
Instrument DateNov 12, 2020
Instrument47598
Transaction TypeTransfer
Record UpdatedDec 1, 2020
Title CompanyCOVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

AmountAmount on Record
Tax$1,092.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address13 ROCKING HORSE DR PALM COAST FL 321646968, PALM COAST, FL 32164-6968

Tax Assessment & Valuation

The 2025 property tax bill for 31 Ryan Dr was $3,422 with a homeowner's exemption.

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyFlagler County
MunicipalityPalm Coast City
Unified School DistrictFlagler County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,422.00 Homeowner's exemption$231,489$231,807 Land $55,000 Building $176,807
2023$3,300.00 (+3.68%) Homeowner's exemption$220,852 (+5.15%)$230,477 (+9.73%) Land $43,000 Building $187,477
2022$3,183.00 Homeowner's exemption$210,034 Land $44,500 Building $165,534$210,034 Land $44,500 Building $165,534

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 31 Ryan Dr 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 62 policies
Community Rating SystemClass 4 (30% premium discount)
Nearby Flood Policies62 in force
Nearby Flood Claims1 (2009)
Claims Outside the SFHA1 of 1
Most Recent ClaimMay 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

Wildfire risk around 31 Ryan Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.05% annual chance
ExposureDirect
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 SystemCITY OF PALM COAST UTILITY
private · serves 112,324 people · EPA ID FL2180863
Water SourceGroundwater
Last State InspectionDec 2024
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 249 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
AT&T
Fiber · DSL · Fixed Wireless in parts of the area		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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