Pending·588 days on market
39 Ponce Preserve Drive
Palm Coast, FL 32164
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 6:55 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Sep 8, 2026Pending$359,997
- Aug 21, 2026Price change$359,997−$5,000
- Jul 27, 2026Price change$364,997+$5,000
- Jul 16, 2026Price change$359,997−$9,291
- Mar 5, 2025Listed$369,288
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $175/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Sep 2026 | $366,997 | $177 | 4/3 | 2,070 | 513 | 0 |
| 41 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Jul 2026 | $361,997 | $175 | 4/3 | 2,070 | 496 | 0 |
| 49 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Sep 2026 | $358,080 | $173 | 4/3 | 2,070 | 112 | 0.1 |
| 32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Sep 2026 | $360,997 | $174 | 4/3 | 2,077 | 100 | 0.1 |
| 61 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Sep 2026 | $387,032 | $162 | 4/3 | 2,388 | 111 | 0.1 |
| 53 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLC | Sep 2026 | $365,438 | $176 | 4/3 | 2,077 | 90 | 0.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AXEN REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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