35 Rivera Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 35 Rivera Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,667 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Mar 2017)
Tax Bill	$3,212 (2025)
Deeds & Mortgages	Apr 2020 Loan Modification May 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7031-00550-0180`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7031-00550-0180`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,667 sqft Living Area
Gross Area	3,136 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2011
Exterior Material	Wood
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	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	35 RIVERA LN
City	PALM COAST
State	FL
Zip	32164-6011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 31 BLOCK 00055 LOT 0018 SUBDIVISION COMPLETION YEAR 1981 OR BOOK 553 PG 1539 OR 1191 PG 1638 OR 1252 PG 445 OR 1546 PG 1479 OR 2162/1945 OR 2166/1015 OR 2193/1028
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	55
Legal Lot Number	18
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1026
Census Tract	60214

Owner

35 Rivera Ln is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	35 RIVERA LN, PALM COAST, FL 32164-6011
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
Apr 10, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG
May 4, 2020	Deed of Trust, Construction Loan · Construction Mortgage HUD-HOUSING/URBAN DEV
Mar 20, 2017	Special Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2017 · Amount on File
Deed Sale	Mar 20, 2017 · Amount on File
Prior Sale	Nov 2, 2016
Deed Document Number	20179573
Deed Book / Page	2193 / 1028
Prior Transfer Date	Oct 24, 2016
Prior Transfer Doc	0021661015
Record Updated	Jun 8, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	35 RIVERA LN, PALM COAST, FL 32164-6011
Document Number	0024381631
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 RIVERA LN PALM COAST FL 321646011, PALM COAST, FL 32164-6011

Mortgage

Document Number	0024381631
Date	Apr 30, 2020
Book Page	002438/001631
Instrument	16320

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Interest

Rate	4%

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Recording Date	May 4, 2020
Property Address	35 RIVERA LN, PALM COAST, FL 32164-6011
Document Number	0024391084
Book / Page	002439 / 001084
Instrument Date	Apr 10, 2020
Instrument	16656
Transaction Type	Construction Loan
Record Updated	Jun 17, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 RIVERA LN PALM COAST FL 321646011, PALM COAST, FL 32164-6011

Mortgage

Document Number	24391084
Date	May 4, 2020
Book Page	002439/001084
Instrument	16656

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2050

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 20, 2017
Property Address	35 RIVERA LN, PALM COAST, FL 32164-6011
Document Number	0021931028
Book / Page	2193 / 1028
Map Reference	MB10 PG43-53
Instrument Date	Mar 14, 2017
Instrument	2017009573
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 RIVERA LN, PALM COAST, FL 32164-6011

Mortgage

Document Number	2017009574
Date	Mar 20, 2017
Instrument	2017009574

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 35 Rivera Ln was $3,212 with a homeowner's exemption, up 2.5% 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	$3,212.00 (+2.52%) Homeowner's exemption	$219,892	$310,576 Land $53,500 Building $257,076
2024	$3,133.00 (+2.65%)
2023	$3,052.00 (+2.31%) Homeowner's exemption	$207,471 (+4%)	$318,401 (+7.36%) Land $44,500 Building $273,901
2022	$2,983.00 Homeowner's exemption	$199,486	$296,562 Land $44,500 Building $252,062

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

Flood

FEMA maps place 35 Rivera Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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 49 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	49 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Hurricane Frances

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 35 Rivera Ln is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 383 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

May also be available: Metronet.

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