31 Ryapple Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 31 Ryapple Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1996
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (May 2014)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00600-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00600-0120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	2,207 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,502 sqft (0.287 acres)
Driveway	Concrete Driveway
Driveway Area	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31 RYAPPLE LN
City	PALM COAST
State	FL
Zip	32164-3409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SECTION 29 BL 60 LOT 12 OR 251 PG 211 OR 544 PG 989 OR 616/960-QC OR 1849/1955 OR 1852/393 OR 1881/1043-FJQT OR 1883/797 OR 2003/665 OR 2223/1062
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	60
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3030
Census Tract	60214

Owner

31 Ryapple Ln is owned and occupied by an individual who bought it in May 2014.

Source: Flagler County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	31 RYAPPLE LN, PALM COAST, FL 32164-3409
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 10, 2017	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2014 · Amount on File
Deed Sale	May 14, 2014 · Amount on File
Prior Sale	Jul 27, 2012 · Amount on File
Deed Document Number	201414485
Deed Book / Page	2003 / 665
Prior Transfer Date	May 22, 1998
Prior Transfer Doc	0006160960
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	31 RYAPPLE LN, PALM COAST, FL 32164-3409
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RYAPPLE LN, PALM COAST, FL 32164-3409

Mortgage

Document Number	0027190969
Date	Sep 2, 2022
Book Page	2719/969
Instrument	2022044517

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 10, 2017
Property Address	31 RYAPPLE LN, PALM COAST, FL 32164-3409
Document Number	0022231062
Book / Page	002223 / 001062
Instrument Date	Aug 8, 2017
Instrument	28137
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,148.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RYAPPLE LN PALM COAST FL 321643409, PALM COAST, FL 32164-3409

Mortgage

Document Number	22231064
Date	Aug 10, 2017
Book Page	002223/001064
Instrument	28138

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 31 Ryapple Ln was $1,658 with a homeowner's exemption, up 2.9% from the year before.

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	$1,658.00 (+2.92%) Homeowner's exemption	$134,410	$213,620 Land $55,000 Building $158,620
2024	$1,611.00 (+3.4%)
2023	$1,558.00 (+1.83%) Homeowner's exemption	$126,818 (+3%)	$210,698 (+1.51%) Land $43,000 Building $167,698
2022	$1,530.00 Homeowner's exemption	$123,124	$207,569 Land $44,500 Building $163,069

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

Flood

FEMA maps place 31 Ryapple 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

Wildfire risk around 31 Ryapple Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% 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 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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