45 Royal Oak Drive

• • 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.

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.

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.

• Aug 31, 2026Price change$379,999−$3,901
• Aug 10, 2026Price change$383,900−$700
• Jul 27, 2026Price change$384,600+$4,900
• Jul 24, 2026Price change$379,700+$100
• Jul 17, 2026Price change$379,600−$100
• Dec 11, 2025Listed$379,700

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

• 

  For Sale

  38 Red Mill Drive

  Palm Coast, FL 32164

  4 bd · 3 ba · 2,976 sq ft

  $380,000Est. $2,023/mo

  Rare opportunity! This beautifully maintained almost 3,000 sq ft, 4-bed, 3-bath brick home offers an exceptional chance…

  Listing Office: lpt realty llc

• 

  Pending

  144 Spoonhour Drive

  Casselberry, FL 32707

  3 bd · 2 ba · 1,531 sq ft

  $380,000Est. $2,023/mo

  Nestled in one of Casselberry's most desirable neighborhoods, this beautifully updated 3-bedroom, 2-bathroom…

  Listing Office: mark spain real estate

• 

  For Sale

  11751 NE 108th Street

  Archer, FL 32618

  3 bd · 2 ba · 1,846 sq ft

  $379,000Est. $2,017/mo

  Escape to the peace and privacy of country living without sacrificing convenience! This brand-new concrete block home…

  Listing Office: miller real estate, inc

• 

  Pending

  15825 Seaton Hollow Drive

  Jacksonville, FL 32218

  3 bd · 2.5 ba · 2,089 sq ft

  $378,990Est. $2,017/mo

  This beautiful home showcases 3 bedrooms, loft, 2.5 bath and a 2 car garage. The open floor plan includes an inviting…

  Listing Office: round table realty

• 

  For Sale

  15 Ocean Crest Way 1334

  Palm Coast, FL 32137

  3 bd · 2 ba · 1,264 sq ft

  $399,000Est. $2,124/mo

  Listing Office: william raveis real estate

  in Hammock Beach
• 

  For Sale

  1347 Ribbon Place

  Palm Coast, FL 32164

  4 bd · 3 ba · 2,407 sq ft

  $394,997Est. $2,102/mo

  Listing Office: century communities of florida

  in Seminole Woods