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Active

Active·417 days on market

17 Old Oak Drive N

Palm Coast, FL 32137

$1,049,000$354/sqftEst. $5,393/moMLS# 2097577

Beds

Baths

2,967

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

NEW PRICE! An exceptional opportunity for BRAND-NEW LUXURY in The Sanctuary, one of Palm Coast's most distinctive gated communities. This stunning 4 BEDROOM, 3.5 BATH, 3-CAR GARAGE, CONCRETE BLOCK home offers nearly 3,000 square feet of thoughtfully designed living space where elevated finishes, impressive architecture and effortless Florida living come together. Step inside to soaring 12-16 FT CEILINGS, smooth walls and ceilings, wide-plank luxury vinyl flooring and expansive windows that fill the home with natural light. Multi-panel sliding glass doors create a seamless connection to the outdoors and enhance the home's open, inviting layout. At the heart of the home is a show-stopping GOURMET KITCHEN featuring an oversized WATERFALL QUARTZ ISLAND, full-height quartz backsplash, premium ceiling-height cabinetry and a beautifully designed PRIVATE BUTLER'S PANTRY offering additional prep space and storage.

Cost to own

Mortgage calculator

Home Price

$1,049,000

Down Payment: 20%

$209,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,393

Principal & Interest: $5,393

Insurance (est.): $699

Estimated Total Monthly

$6,092

*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$5,393

HOAbilled monthly$165

Estimated total, before insurance$5,558/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,962/yr · $164/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).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,962/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: ~1,773 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

Price & status history

Aug 18, 2026Price change$1,049,000−$25,900
Jul 23, 2026Price change$1,074,900−$23,100
Jul 9, 2025Listed$1,098,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,049,000

Price / Sq Ft$354

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,967

Total Structure Area4,327 sq ft

Acres0.36 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address17 Old Oak Drive N, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionSanctuary

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size15,681.6 sq ft

Parcel Number2910315540000001070

Amenities

AmenitiesGated, Park, Security

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Disposal, Double Oven, Electric Cooktop, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Microwave

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

Security24 Hour Security, Gated with Guard