35 Ridge Rd, Palm Coast, FL 32137 Property Records

Flagler County property record for 35 Ridge Rd, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 2021
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Mar 2021)
Tax Bill	$3,961 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`21-10-30-5410-00000-1940`

Property Details

APN / Parcel Number

Primary APN	`21-10-30-5410-00000-1940`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,602 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	35 RIDGE RD
City	PALM COAST
State	FL
Zip	32137-9811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MPD
Legal Description	SAWMILL CREEK AT PALM COAST PARK MB 39 PG 36 LOT 194 OR 2453/560
Legal Range	30E
Legal Township	10S
Legal Section	21
Legal Subdivision	SAWMILL CREEK AT PALM COAST
Legal Lot Number	194
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2146
Census Tract	60206

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	35 RIDGE RD, PALM COAST, FL 32137-9811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC
Jun 26, 2020	Grant Deed, Transfer STEEL CITY TITLE INC, STEEL CTY TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	2021012743
Deed Book / Page	2536 / 1563
Record Updated	Jun 8, 2026

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 10, 2021
Property Address	35 RIDGE RD, PALM COAST, FL 32137-9811
Document Number	0025361563
Book / Page	2536 / 1563
Map Reference	MB 39 PG 36-43
Instrument Date	Feb 22, 2021
Instrument	2021012743
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2023
Title Company	STEEL CITY TITLE INC, STEEL CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5220 SHAD RD STE 202, 202, JACKSONVILLE, FL 32257-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 RIDGE RD, PALM COAST, FL 32137-9811

Mortgage

Document Number	0025361564
Date	Mar 10, 2021
Instrument	2536/1564

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 26, 2020
Property Address	35 RIDGE RD, PALM COAST, FL 32137-9811
Document Number	0024530560
Book / Page	002453 / 000560
Instrument Date	Jun 16, 2020
Instrument	23994
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	STEEL CITY TITLE INC, STEEL CTY TITLE INC

Transaction

Amount	Amount Recorded
Tax	$11,165.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5220 SHAD RD #202 JACKSONVILLE FL 322572008, 202, JACKSONVILLE, FL 32257-2008
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	$3,961.00 (-34.15%) Homeowner's exemption	$261,138 (-4.94%) Land $45,000 Building $216,138	$261,138 (-5.39%) Land $45,000 Building $216,138
2023	$6,015.00 (+1.42%) Homeowner's exemption	$274,718 (+3.29%)	$276,003 (+3.77%) Land $51,000 Building $225,003
2022	$5,931.00 Homeowner's exemption	$265,971 Land $51,000 Building $214,971	$265,971 Land $51,000 Building $214,971

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	3 (2001–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Oct 2024 · Hurricane Milton

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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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