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Single Family ResidenceResidential
$320,428$221 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $178,800 on Dec 29, 2004

3 RUTH DR

PALM COAST, FL 32164
2
Baths
1,450 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.61 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$320K
$297K low$344K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$178,800 · Dec 29, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$155,428
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$124,342
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.48%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$105,000
MUTUAL OF OMAHA MORTGAGE INC · recorded May 12, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$60,000
WELLS FARGO BANK NA

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,351 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$157,762 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$151,470
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$288,097

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
97
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
28
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyFlagler
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2009
Lot (acres)The size of the land the home sits on, from county records.0.61
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Rymfire Elementary SchoolB+
Elementary · Grades PK–5 · 1.1 mi
M
Indian Trails Middle SchoolB+
Middle · Grades 6–8 · 4.3 mi
H
Matanzas High SchoolC+
High · Grades 9–12 · 5.9 mi

District: Flagler County School District

Neighborhood · ZIP 32164These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.77
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.81
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.56,991
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,661 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,347
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3 Ruth Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 72% of homes in Flagler County
  • Costs more per square foot than 91% of homes in Lehigh Woods at Palm Coast
  • Smaller than 84% of homes in Palm Coast 32164
  • Among the largest lots in Palm Coast 32164
  • Older than 87% of homes in Lehigh Woods at Palm Coast

What homes are worth in Palm Coast 32164

Each bar is how many homes fall in that price range. The marker is this home.

This home
$239K$559K

This home is worth more than 35% of homes in Palm Coast 32164.

How it measures up in Palm Coast 32164

The dot is this home. The mark in the middle is the typical home in Palm Coast 32164.

Estimated value$320,428
CheaperTypical $346,524Pricier

Pricier than 35% of homes nearby

Price per ft²$221
CheaperTypical $190Pricier

Pricier than 88% of homes nearby

Living area1,450 ft²
SmallerTypical 1,868 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.61 ac
SmallerTypical 0.23 acBigger

Bigger than almost all homes nearby

Year built2000
OlderTypical 2004Newer

Newer than 27% of homes nearby

How 3 Ruth Dr ranks against every home in each area.
MeasureThis homeLehigh Woods at Palm CoastPalm Coast 32164Flagler County
Estimated valuepricier than$320,42847% of homes35% of homes28% of homes
Price per ft²pricier than$22191% of homes88% of homes63% of homes
Living areabigger than1,450 ft²21% of homes16% of homes20% of homes
Lot sizebigger than0.61 acalmost all homesalmost all homes93% of homes
Year builtnewer than200013% of homes27% of homes38% of homes

About 3 Ruth Dr

How much is 3 Ruth Dr, Palm Coast, FL worth?

The TopHap Estimate for 3 Ruth Dr, Palm Coast, FL is $320,428 as of Jul 14, 2026. The likely range is $297,322 to $343,534. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Ruth Dr, Palm Coast, FL last sell?

3 Ruth Dr, Palm Coast, FL last sold on Dec 29, 2004 for $178,800, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 3 Ruth Dr, Palm Coast, FL?

3 Ruth Dr, Palm Coast, FL has 2 bathrooms, 1,450 square feet of living space and a 0.61-acre lot.

When was 3 Ruth Dr, Palm Coast, FL built?

3 Ruth Dr, Palm Coast, FL was built in 2000, making it 26 years old. The building has 1 story.

What schools serve 3 Ruth Dr, Palm Coast, FL?

3 Ruth Dr, Palm Coast, FL is assigned to Rymfire Elementary School (elementary), rated B+; Indian Trails Middle School (middle), rated B+; Matanzas High School (high), rated C+. All sit in Flagler County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Ruth Dr, Palm Coast, FL compare to other homes in Palm Coast 32164?

Among the 23,889 homes in Palm Coast 32164, it is worth more than 35% of them ($320,428 against a typical $346,524), its price per square foot is higher than 88% of them ($221 against a typical $190), it is bigger than 16% of them (1,450 ft² against a typical 1,868 ft²), its lot is bigger than almost all of them (0.61 ac against a typical 0.23 ac) and it is newer than 27% of them (2000 against a typical 2004). Measured against all of Flagler County, it is worth more than 28% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3 Ruth Dr, Palm Coast, FL?

The 2025 property tax bill for 3 Ruth Dr, Palm Coast, FL was $1,351. The county assessed it at $157,762.

Closest homes

More homes in Palm Coast 32164

Assigned schools

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