45 Ryarbor Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 45 Ryarbor Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jul 2022)
Tax Bill	$2,926 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00630-0090`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00630-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,535 sqft Heated Area
Gross Area	2,130 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
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	468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	45 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 SECTION 29 BLOCK 00063 LOT 0009 SUBDIVISION COMPLETION YEAR 1981 OR 499 PG 38 OR 896 PG 1271 OR 1033 PG 1540
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	63
Legal Lot Number	9
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3006
Census Tract	60214

Owner

45 Ryarbor Dr is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	45 RYARBOR DR, PALM COAST, FL 32164-3416
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Jan 22, 2004 · Amount on File
Deed Document Number	2022038262
Deed Book / Page	2709 / 729
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 25, 2022
Property Address	45 RYARBOR DR, PALM COAST, FL 32164-3416
Document Number	0027090729
Book / Page	2709 / 729
Map Reference	MB 10 PG 17-29
Instrument Date	Jul 22, 2022
Instrument	2022038262
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	VETERANS TITLE INC, VETERANS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RYARBOR DR, PALM COAST, FL 32164-3416

Mortgage

Document Number	0002709731
Date	Jul 25, 2022
Instrument	2709/731

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 45 Ryarbor Dr was $2,926 with a homeowner's exemption.

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	$2,926.00 Homeowner's exemption	$204,173	$232,214 Land $55,000 Building $177,214
2023	$2,732.00 (-35.11%) Homeowner's exemption	$190,209 (-14.03%)	$225,342 (+1.85%) Land $43,000 Building $182,342
2022	$4,210.00	$221,258 Land $44,500 Building $176,758	$221,258 Land $44,500 Building $176,758

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

Flood

FEMA maps place 45 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 45 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