33 Ryding Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 33 Ryding Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,187 sqft · built 2014
Lot Size	0.373 acres (16,248 sqft)
Owner	2 Owner Names on File
Last Sale	$232,600 (Jul 2014)
Tax Bill	$4,570 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00330-0120`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00330-0120`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,187 sqft Heated Area
Gross Area	2,821 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,248 sqft (0.373 acres)
Garage Type	Attached
Driveway	Driveway
Driveway Area	996 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	33 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 0012 SUBDIVISION COMPLETION YEAR 1981 OR 241 PG 516 OR 391/551 OR 1931/97 OR 1959/1441
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	33
Legal Lot Number	12
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3014
Census Tract	60214

Owner

The current owner of 33 Ryding Ln bought it in July 2014.

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

Owner of Record	2 Owner Names on File
Mailing Address	33 RYDING LN, PALM COAST, FL 32164-6012
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2014 · Amount on File
Deed Sale	Jul 21, 2014 · Amount on File
Prior Sale	Nov 1, 2013
Deed Document Number	2014021671
Deed Book / Page	2014 / 1167
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	33 RYDING LN, PALM COAST, FL 32164-6012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 RYDING LN, PALM COAST, FL 32164-6012

Mortgage

Document Number	0024921476
Date	Nov 5, 2020
Book Page	2492/1476
Instrument	2020045745

Lender

Name	CREDIT UNION MORTGAGE ASSOCIATION INC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	6.37%

Tax Assessment & Valuation

The 2025 property tax bill for 33 Ryding Ln was $4,570 with a homeowner's exemption.

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	$4,570.00 Homeowner's exemption	$294,648	$363,954 Land $58,275 Building $305,679
2023	$4,359.00 (+0.83%) Homeowner's exemption	$278,004 (+3%)	$367,397 (+5.59%) Land $45,675 Building $321,722
2022	$4,323.00 Homeowner's exemption	$269,906	$347,937 Land $47,250 Building $300,687

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

Flood

FEMA maps place 33 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

Wildfire risk around 33 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.

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 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