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Pending

Pending·148 days on market

17 Mulberry Road

Palm Coast, FL 32164

$389,000$183/sqftEst. $2,000/moMLS# 2070682

Beds

Baths

2,129

Sq Ft

2024

Built

Garage

Pool

About this home

Palm Coast

From the moment you enter, you'll experience the thoughtfully designed first level, which features all of your primary living spaces for ultimate ease and comfort. As you move upstairs, a private retreat awaits, offering a spacious bedroom, bath, and loft—an ideal space for guests, a dedicated home office, or an extra living area that adapts to your needs. This versatile second floor is perfect for creating your own sanctuary or for welcoming visitors with total privacy. Throughout the home, you'll love the beautiful wood-like tile flooring, providing a sophisticated and low-maintenance foundation that is ready to be personalized with your own unique style. Designed with outdoor living in mind, this villa features a covered and screened lanai, expanded pavers, and a privacy wall—creating a tranquil, serene space for you to enjoy. With lawn care and exterior landscaping taken care of, your summer becomes a peaceful retreat, allowing you to relax and enjoy the beauty of each moment.

Cost to own

Mortgage calculator

Home Price

$389,000

Down Payment: 20%

$77,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,000

Principal & Interest: $2,000

Insurance (est.): $259

Estimated Total Monthly

$2,259

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,000

HOAbilled quarterly$189

Estimated total, before insurance$2,189/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,514/yr · $126/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,514/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,376 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 22, 2026Pending$389,000
Apr 1, 2026Listed$389,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$389,000

Price / Sq Ft$183

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,129

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeTownhouse

StyleContemporary, Villa

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address17 Mulberry Road, Palm Coast, FL 32164

Area601-Flagler County-North Central

SubdivisionRetreat at Town Center

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Lot Size4,791.6 sq ft

Parcel Number0612315180000001500

Amenities

AmenitiesPool, Gated, Jogging Path, Maintenance Grounds

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Range, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Sink, Washer Hookup

SecurityFirewall(s), Security Gate, Smoke Detector(s)