41 Ryarbor Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 41 Ryarbor Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,403 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 2017)
Tax Bill	$4,009 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00630-0070`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00630-0070`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,403 sqft Heated Area
Gross Area	2,172 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2011
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	41 RYARBOR DR
City	PALM COAST
State	FL
Zip	32164-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SEC 29 BL 63 LT 7 OR 213 PG 212 OR 653 PG 1464-DC OR 653 PG 1466- POA OR 653 PG 1469 OR 826 PG 1051 OR 2224/1039-D
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	63
Legal Lot Number	7
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3006
Census Tract	60214

Owner

41 Ryarbor Dr is owned by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	346 GLORIETA DR, ST AUGUSTINE, FL 32095-7534
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2017 · Amount on File
Deed Sale	Aug 15, 2017 · Amount on File
Prior Sale	Jun 6, 2002 · Amount on File
Deed Document Number	2017028774
Deed Book / Page	2224 / 1041
Record Updated	Jun 8, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Aug 15, 2017
Property Address	41 RYARBOR DR, PALM COAST, FL 32164-3416
Document Number	0022241041
Book / Page	002224 / 001041
Instrument Date	Aug 8, 2017
Instrument	28774
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	COVENANT TITLE, COVENANT CLOSING & TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	298 WILLIS RD SUDBURY MA 017761330, SUDBURY, MA 01776-1330

Mortgage

Document Number	22241043
Date	Aug 15, 2017
Book Page	002224/001043
Instrument	28775

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 14, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 41 Ryarbor Dr was $4,009.

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	$4,009.00	$235,267 Land $55,000 Building $180,267	$235,267 Land $55,000 Building $180,267
2023	$3,563.00 (+5.95%)	$228,909 (+6.58%) Land $43,000 Building $185,909	$228,909 (+6.58%) Land $43,000 Building $185,909
2022	$3,363.00	$214,770 Land $44,500 Building $170,270	$214,770 Land $44,500 Building $170,270

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

Flood

FEMA maps place 41 Ryarbor Dr 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 41 Ryarbor Dr is low, with a 0.04% 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	0.04% 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 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