Active·457 days on market
3 Sea Board Court
Palm Coast, FL 32164
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
From the grand front door to the peaceful, park-like backyard, this spacious home is truly special. It features a rare upstairs 4th bedroom with its own full bath—perfect for guests or a private office. You'll love the formal living, dining, and family rooms with brand-new tile throughout, high ceilings, and big, bright windows. The split floor plan gives the master suite plenty of privacy, with vaulted ceiling, two walk-in closets, and a fully updated bathroom with new vanity, tiled shower, and bright LED lights. The kitchen has solid wood cabinets, stainless steel appliances, and a sunny breakfast nook that opens to the large family room. Step out back to relax in the screened porch, enjoy the fire pit under the pergola, and pick fruit from your own trees! Upgrades include, new roof (2025), Fence, hurricane shutters and screens (rated up to 130+ mph), impact sliding glass door, newer A/C motor (2023), cleaned and improved HVAC system (2024), new sod (2025), drip irrigation
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 (that applies to the reference bill above too).
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — 2025 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · Palm Coast - building count > 0 within city limits · Public water (record)
County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,759 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 20 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 16 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 14 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 13 mi · Atlantic ICW (Flagler County) Matanzas River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:33 AM, sunset 6:45 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real sun without the western afternoon heat.
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): $2,262/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.
History
Price & status history
- Jul 24, 2025Listed$480,000
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 $196/sq ft; this home is listed at $209/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7 Smokehouse Place, Palm Coast, FL 32164Listed by WATSON REALTY CORP | Sep 2026 | $327,000 | $147 | 4/2 | 2,229 | 222 | 0.3 |
| 17 Sleigh Bell Place, Palm Coast, FL 32164Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $365,000 | $204 | 4/2 | 1,787 | 77 | 0.3 |
| 51 Sentinel Trail, Palm Coast, FL 32164Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $370,000 | $157 | 4/3 | 2,363 | 65 | 1.1 |
| 85 Sloganeer Trail, Palm Coast, FL 32164Listed by ENDLESS SUMMER REALTY | Jul 2026 | $299,000 | $167 | 4/2 | 1,787 | 31 | 1.1 |
| 11 Windmill Palm Way, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INC | Jun 2026 | $585,000 | $199 | 4/4 | 2,945 | 0 | 1.1 |
| 310 Fishtail Place, Palm Coast, FL 32164Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $384,000 | $196 | 3/2.5 | 1,962 | 48 | 2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP 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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Krista Fracke
Broker Associate
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