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Active

Active·497 days on market

39 Ponce Preserve Drive

Palm Coast, FL 32164

$369,288$178/sqftEst. $1,966/moMLS# 2073921

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. Move-in ready & situated on a private, tree-lined homesite within a sought-after gated community, this beautifully appointed Agate plan offers 4 bedrooms & 3 baths of refined living. The open concept design centers around a spacious kitchen featuring quartz countertops, a large island, tile backsplash, with all appliances included. The kitchen flows effortlessly into the dining & great room, creating an ideal setting for both everyday living & entertaining. A covered lanai extends the living space outdoors proving s a peaceful spot to enjoy a privet evening. Thoughtfully curated designer finishes elevate every room. The split plan layout includes a private primary suite with a large walk-in closet and a well-appointed bath. Located on an extra-large homesite & complete with a 3-car garage, this home blends space, style, and function. *Financing subject to change without notice.

Cost to own

Mortgage calculator

Home Price

$369,288

Down Payment: 20%

$73,858

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,865

Principal & Interest: $1,865

Est. Taxes & Insurance: $466

Estimated Total Monthly

$2,332

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,966

HOAbilled quarterly$119

Estimated total, before insurance$2,085/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: ~1,568 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History