44 Rainstone Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 44 Rainstone Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,035 sqft · built 2002
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Nov 2025)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7030-00220-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7030-00220-0020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,035 sqft Living Area
Gross Area	1,444 sqft
1st Floor Area	1,035 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	310 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	44 RAINSTONE LN
City	PALM COAST
State	FL
Zip	32164-6844
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DPX
Legal Description	PALM COAST SECTION 30 BLOCK 00022 LOT 0002 SUBDIVISION COMPLETION YEAR 1980 OR 239 PG 9 OR 732 PG 1479 OR 864 PG 1746 OR 2320/1656
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	22
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2014
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	Individual Name on Record
Mailing Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Warranty Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC
Sep 22, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Nov 27, 2018	Warranty Deed, Transfer OCEAN BLUE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	202546859
Deed Book / Page	3007 / 339
Prior Transfer Date	Sep 14, 2023
Prior Transfer Doc	0028140215
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 18, 2025
Property Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Document Number	0030070339
Book / Page	3007 / 339
Map Reference	MB 10 PG 30-42
Instrument Date	Nov 5, 2025
Instrument	2025046859
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	FAULKNER COUNTY ABSTRACT COMPANY, FLAGLER COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 PATUXENT PL, PALM COAST, FL 32164-7541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844

Mortgage

Document Number	0003007341
Date	Nov 18, 2025
Instrument	3007/341

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FLAGLER FL
Recording Date	Sep 22, 2023
Property Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Document Number	0028140215
Book / Page	2814 / 215
Map Reference	MB 10 PG 30-42
Instrument Date	Sep 14, 2023
Instrument	2023041648
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 PATUXENT PL, PALM COAST, FL 32164-7541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 PATUXENT PL, PALM COAST, FL 32164-7541

Mortgage

Document Number	0027500101
Date	Jan 11, 2023
Book Page	2750/101
Instrument	2023001394

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Dec 21, 2022
Property Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Document Number	0027441144
Book / Page	2744 / 1144
Map Reference	MB 10 PG 30-42
Instrument Date	Dec 20, 2022
Instrument	2022060652
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	REALTY PRO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 PATUXENT PL, PALM COAST, FL 32164-7541

Mortgage

Document Number	0002750101
Date	Dec 21, 2022
Instrument	2750/101

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Feb 1, 2053

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 27, 2018
Property Address	44 RAINSTONE LN, PALM COAST, FL 32164-6844
Document Number	0023201656
Book / Page	002320 / 001656
Instrument Date	Nov 14, 2018
Instrument	44121
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	OCEAN BLUE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$486.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 RAINSTONE LN PALM COAST FL 321646844, PALM COAST, FL 32164-6844

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	$2,961.00 (+2.99%)	$162,974 (+3.84%) Land $53,500 Building $109,474	$162,974 (+3.84%) Land $53,500 Building $109,474
2024	$2,875.00 (+2.57%)	$156,940 (+3.71%) Land $44,000 Building $112,940	$156,940 (+3.71%) Land $44,000 Building $112,940
2023	$2,803.00 (+28.34%)	$151,328 (+1.5%) Land $43,500 Building $107,828	$151,328 (+1.5%) Land $43,500 Building $107,828
2022	$2,184.00	$149,097 Land $44,500 Building $104,597	$149,097 Land $44,500 Building $104,597

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 41 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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	0.02% 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 385 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

May also be available: Metronet.

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