86 Ryan Dr, Palm Coast, FL 32164 Property Records

Flagler County property record for 86 Ryan Dr, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,758 sqft · built 2003
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,220 (Oct 2024)
Tax Bill	$3,233 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00640-0020`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00640-0020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	2,626 sqft
1st Floor Area	1,758 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,587 sqft (0.266 acres)
Driveway	Concrete Driveway
Driveway Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	86 RYAN DR
City	PALM COAST
State	FL
Zip	32164-6477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SEC 29 BL 64 LT 2 OR 215 PG 970 OR 371 PG 127 OR 600 PG 1142 OR 860 PG 499 OR 2261/1082 OR 2390/1463
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	64
Legal Lot Number	2
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3006
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	86 RYAN DR, PALM COAST, FL 32164-6477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
May 11, 2021	Warranty Deed, Transfer ALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC
Jul 23, 2021	Correction Deed ALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC
Oct 11, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 26, 2018	Warranty Deed, Transfer COVENANT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2024 · Amount on Record
Deed Sale	Oct 23, 2024 · Amount on Record
Prior Sale	Jul 23, 2021 · Amount on Record
Deed Document Number	202444383
Deed Book / Page	2909 / 1424
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	0023901463
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	86 RYAN DR, PALM COAST, FL 32164-6477
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RYAN DR, PALM COAST, FL 32164-6477

Mortgage

Document Number	0027250686
Date	Oct 3, 2022
Book Page	2725/686
Instrument	2022048083

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 11, 2021
Property Address	86 RYAN DR, PALM COAST, FL 32164-6477
Document Number	0025610887
Book / Page	2561 / 887
Map Reference	MB 10 PG 17-29
Instrument Date	May 11, 2021
Instrument	2021026033
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	ALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 ROLLING SANDS DR, 24, PALM COAST, FL 32164-6980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RYAN DR, PALM COAST, FL 32164-6477

July 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 23, 2021
Property Address	86 RYAN DR, PALM COAST, FL 32164-6477
Document Number	0025871421
Book / Page	2587 / 1421
Map Reference	MB 10 PH 17-29
Instrument Date	May 10, 2021
Instrument	2021040605
Record Updated	Aug 11, 2021
Title Company	ALL CTRL FLORIDA TITLE LLC, ALL FLORIDA TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,995.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24 ROLLING SANDS DR, 24, PALM COAST, FL 32164-6980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 RYAN DR, PALM COAST, FL 32164-6477
Investor	Possibly a Property Investor

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 11, 2019
Property Address	86 RYAN DR, PALM COAST, FL 32164-6477
Document Number	0023901463
Book / Page	002390 / 001463
Instrument Date	Oct 11, 2019
Instrument	37913
Transaction Type	Transfer
Record Updated	Oct 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ROLLING SANDS DR PALM COAST FL 321646980, PALM COAST, FL 32164-6980

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Feb 26, 2018
Property Address	86 RYAN DR, PALM COAST, FL 32164-6477
Document Number	0022611082
Book / Page	002261 / 001082
Instrument Date	Feb 23, 2018
Instrument	6827
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	COVENANT TITLE

Transaction

Amount	Amount Recorded
Tax	$1,190.00
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	3 RYECROFT LN PALM COAST FL 321646427, PALM COAST, FL 32164-6427

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	$3,233.00 (-28.47%)	$256,342 (+1.72%) Land $55,000 Building $201,342	$256,342 (+1.72%) Land $55,000 Building $201,342
2024	$4,520.00 (+16.58%)
2023	$3,877.00 (-0.28%) Homeowner's exemption	$251,997 (+1.99%) Land $43,000 Building $208,997	$251,997 (+1.99%) Land $43,000 Building $208,997
2022	$3,888.00 Homeowner's exemption	$247,082 Land $44,500 Building $202,582	$247,082 Land $44,500 Building $202,582

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 80% of the US · lower than 93% 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 292 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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