Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·541 days on market

37 Ponce Preserve Drive

Palm Coast, FL 32164

$366,997$177/sqftEst. $1,887/moMLS# 2073881

Beds

Baths

2,070

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

Rates as low as 4.99! Up to $15k CC for any deal using our preferred lender. The Slate floor plan offers 4 bedrooms and 3 bathrooms with beautifully curated finishes throughout. The kitchen impresses with quartz countertops, a large island, tile backsplash, walk-in pantry and all appliances included. The spacious primary suite includes a soaking tub, separate shower and generous closet, while a secondary en-suite is ideal for guests. Enjoy outdoor living on the covered lanai overlooking an extra-large, tree-lined backyard. Located in a gated community and complete with a 3-car garage, this home blends privacy, function and style in a sought-after setting. *Financing subject to change.

Cost to own

Mortgage calculator

Home Price

$366,997

Down Payment: 20%

$73,399

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,887

Principal & Interest: $1,887

Insurance (est.): $245

Estimated Total Monthly

$2,131

*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$1,887

HOAbilled quarterly$119

Estimated total, before insurance$2,006/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.

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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,457 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