4 River Pl, Palm Coast, FL 32164 Property Records

Flagler County property record for 4 River Pl, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,036 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jul 2024)
Tax Bill	$4,321 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7031-00620-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7031-00620-0020`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,036 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	2,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Concrete
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	4 RIVER PL
City	PALM COAST
State	FL
Zip	32164-3437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 31 BLOCK 00062 LOT 0002 SUBDIVISION COMPLETION YEAR 1981 OR 454 PG 568 OR 1263 PG 1570 OR 1346/409 OR 1674/1522 OR 2226/242
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	62
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3001
Census Tract	60214

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4 RIVER PL, PALM COAST, FL 32164-3437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2024	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Aug 22, 2017	Warranty Deed, Transfer · FHA Mortgage FBT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Prior Sale	Aug 22, 2017 · Amount on Record
Deed Document Number	202430558
Deed Book / Page	2886 / 793
Prior Transfer Date	Feb 28, 2005
Prior Transfer Doc	0012631570
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 22, 2024
Property Address	4 RIVER PL, PALM COAST, FL 32164-3437
Document Number	0028860793
Book / Page	2886 / 793
Map Reference	MB 10 PG 43-53
Instrument Date	Jul 15, 2024
Instrument	2024030558
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 RED MILL DR, PALM COAST, FL 32164-6648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RIVER PL, PALM COAST, FL 32164-3437

Mortgage

Document Number	0002886800
Date	Jul 22, 2024
Instrument	2886/800

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 22, 2017
Property Address	4 RIVER PL, PALM COAST, FL 32164-3437
Document Number	0022260242
Book / Page	2226 / 0242
Map Reference	MB10 PG43-53
Instrument Date	Jul 20, 2017
Instrument	2017029795
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AMERICAS CHOICE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,491.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 VALENCIA ST, 7, PALM COAST, FL 32137-2234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RIVER PL, PALM COAST, FL 32164-3437

Mortgage

Document Number	2017029796
Date	Aug 22, 2017
Instrument	2017029796

Lender

Name	FBT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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	$4,321.00 (+39.97%)	$285,950 (+39.46%) Land $53,500 Building $232,450	$285,950 (+3.68%) Land $53,500 Building $232,450
2024	$3,087.00 (+2.66%)
2023	$3,007.00 (+1.08%) Homeowner's exemption	$205,040 (+3%)	$275,810 (+2.54%) Land $44,500 Building $231,310
2022	$2,975.00 Homeowner's exemption	$199,068	$268,990 Land $44,500 Building $224,490

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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