Flagler County property record for 97 Ryan Dr, Palm Coast, FL 32164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,435 sqft · built 2006 |
| Lot Size | 0.346 acres (15,072 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Sep 2021) |
| Tax Bill | $7,352 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Aug 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-11-31-7029-00330-0130 |
| Primary APN | 07-11-31-7029-00330-0130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 3,435 sqft Heated Area |
| Gross Area | 4,379 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,072 sqft (0.346 acres) |
| Driveway | Driveway |
| Driveway Area | 860 sqft |
| Fence | Fence |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97 RYAN DR |
|---|---|
| City | PALM COAST |
| State | FL |
| Zip | 32164-6485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALM COAST SECTION 29 BLOCK 00033 LOT 0013 SUBDIVISION COMPLETION YEAR 1981 OR 247 PG 126 OR 1355 PG 1321 OR 1585 PG 1371 |
| Legal Range | 31E |
| Legal Township | 11S |
| Legal Section | 07 |
| Legal Subdivision | PALM COAST |
| Legal Block | 33 |
| Legal Lot Number | 13 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 60214 |
97 Ryan Dr is owned and occupied by an individual who bought it in September 2021.
Source: Flagler County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| 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.
| Date | Document |
|---|---|
| Sep 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Aug 24, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Apr 30, 2018 | Deed of Trust, Mortgage · Reverse Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 20, 2018 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2021 · Amount on File |
| Deed Sale | Sep 15, 2021 · Amount on File |
| Prior Sale | Aug 24, 2021 |
| Deed Document Number | 2021050541 |
| Deed Book / Page | 2605 / 1279 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Sep 15, 2021 |
| Property Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0026051279 |
| Book / Page | 2605 / 1279 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Sep 8, 2021 |
| Instrument | 2021050541 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | LANDMARK TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,975.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 N CHURCHILL DR, 228, ST AUGUSTINE, FL 32086-4190 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 26051281 |
|---|---|
| Date | Sep 15, 2021 |
| Instrument | 2605/1281 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Aug 24, 2021 |
| Property Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0025981207 |
| Book / Page | 2598 / 1207 |
| Map Reference | MB 10 PG 17-29 |
| Instrument Date | Jun 22, 2021 |
| Instrument | 2021046483 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | RT COAST TITLE INS AGENCY IN |
| Name | Verified Name |
|---|
| Document Number | 0022750745 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 2275/0745 |
| Instrument | 2018015458 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 916 Months |
| Due | Aug 18, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.23% |
| Type Change Date | May 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLAGLER FL |
| Property Address | 97 RYAN DR, PALM COAST, FL 32164-6485 |
| Document Number | 0022750760 |
| Instrument Date | Apr 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97 RYAN DR PALM COAST FL 321646485, PALM COAST, FL 32164-6485 |
| Document Number | 0022750760 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 002275/000760 |
| Instrument | 15459 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 912 Months |
| Due | Apr 29, 2094 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.23% |
The 2025 property tax bill for 97 Ryan Dr was $7,352, up 1% from the year before.
Source: Flagler County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Municipality | Palm Coast City |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,352.00 (+1.04%) | $404,526 (+1.86%) Land $58,275 Building $346,251 | $404,526 (+1.86%) Land $58,275 Building $346,251 |
| 2024 | $7,276.00 (-5.43%) | $397,151 (-4.37%) Land $46,725 Building $350,426 | $397,151 (-4.37%) Land $46,725 Building $350,426 |
| 2023 | $7,694.00 (-0.31%) | $415,307 (+2.38%) Land $45,675 Building $369,632 | $415,307 (+2.38%) Land $45,675 Building $369,632 |
| 2022 | $7,718.00 | $405,634 Land $47,250 Building $358,384 | $405,634 Land $47,250 Building $358,384 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Ryan 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 risk around 97 Ryan Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures