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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Active

Active·408 days on market

52 Pershing Lane

Palm Coast, FL 32164

$344,500$222/sqftEst. $1,773/moMLS# 2096308

Beds

Baths

1,555

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

Ask agent about the exceptional incentives!! NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender. UP TO $18,500 UPGRADES INCLUDED!! Move in Ready- Discover luxury in this stunning new home featuring luxury vinyl flooring, soaring 9'4'' ceilings, and an 8' designer front door. An open floor plan flows into a chef's kitchen with shaker cabinets, quartz countertops, and stainless appliances. The 8' slider opens to a covered lanai for seamless indoor-outdoor living. Bathrooms offer tiled walls to the ceiling. Pictures shown are from model at 182 Bayside Dr.

Cost to own

Mortgage calculator

Home Price

$344,500

Down Payment: 20%

$68,900

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,773

Principal & Interest: $1,773

Insurance (est.): $230

Estimated Total Monthly

$2,003

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,773

Estimated total, before insurance$1,773/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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $489/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.

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: ~1,567 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

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