Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 26
Sold

Sold·Closed Jun 12, 2026·341 days on market

223 Thornberry Way

Palm Coast, FL 32164

$405,331sold priceListed at $405,331 · 100% of asking$165/sqftMLS# 2089713
4
Beds
3
Baths
2,450
Sq Ft
2025
Built
2
Garage
No
Pool
HOA $54/mo6,534 sqft lotSingle Family Residence2 storiesNew construction

About this home

Palm Coast

Up to $17k CC for any deal using our preferred lender. Rates as low as 4.99! This thoughtfully designed 4-bedroom, 3-bath home features an open concept floor plan that seamlessly blends spacious living areas with modern elegance, ideal for both everyday comfort and entertaining. The gourmet kitchen, equipped with premium appliances and a large island, flows effortlessly into the dining and living spaces, creating a warm, connected atmosphere. The primary bedroom is conveniently located on the main floor and boasts a luxurious en-suite with a large walk-in shower and a spacious walk-in closet, offering a private retreat. Upstairs, a generous loft and additional bedroom provide flexible space perfect for guests, a home office, or a media room. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s).

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,245
HOAbilled annually$54
Estimated total, before insurance$2,299/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,388/yr · $116/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$405,331
$81,066
Loan Term
Monthly Payment
$2,245
Principal & Interest: $2,245
Insurance (est.): $270
Estimated Total Monthly
$2,515
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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

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

Ask about this home

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

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,388/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.

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 $174/sq ft; this home is listed at $165/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
219 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCAug 2026$377,997$1725/32,2004210
214 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCJun 2026$333,145$1854/21,8003800
208 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$364,555$1645/32,222790.1
203 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCAug 2026$358,997$1625/32,222390.1
21 Mahogany Way, Palm Coast, FL 32164Listed by LPT REALTY LLCJun 2026$590,000$2114/42,790900.5
32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$360,997$1744/32,0771000.8

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

Price$405,331
Price / Sq Ft$165
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,450
Total Structure Area2,850 sq ft
Acres0.15 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorth

Community Information

Address223 Thornberry Way, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionCoastal Gardens
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,534 sq ft
Parcel Number0512312755000001290

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingElectric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
RoofShingle
ConstructionOther, Block, Composition Siding, Frame

Additional Information

Date ListedMay 27, 2025
Days on Market341
HOA Fees$650 / Annually
HOA FrequencyAnnually
Tax Amount$1,388.48
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines