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

Sold·Closed Jun 29, 2026·0 days on market

189 Misty Harbor Trace

Palm Coast, FL 32137

$340,000sold priceListed at $341,990 · 99.4% of asking$288/sqftMLS# 2124509
3
Beds
2
Baths
1,181
Sq Ft
2025
Built
1
Garage
No
Pool
HOA $310/mo4,356 sqft lotTownhouse1 storyNew construction

About this home

Palm Coast

The Mangrove plan is a one story end unit with 3 bedrooms, 2 bath. and 1 car garage. Home features 42'' Kitchen cabinets. stainless steel appliances, granite countertops, quartz countertops in baths, whole house blinds, gutters, security system prewires, Builder warranty included. There are special financing incentives offered by Dream Finders Homes.

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$1,883
HOAbilled monthly$310
Estimated total, before insurance$2,193/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$340,000
$68,000
Loan Term
Monthly Payment
$1,883
Principal & Interest: $1,883
Insurance (est.): $227
Estimated Total Monthly
$2,110
*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.

Solar potential: ~1,646 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

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.

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 $271/sq ft; this home is listed at $290/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
193 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$335,000$2843/21,18100
210 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$320,000$2713/21,18100.1
146 Palm Coast Resort Boulevard 206, Palm Coast, FL 32137Listed by REMAX SELECT PROFESSIONALSAug 2026$320,000$2383/21,344400.2
500 Canopy Walk Lane 522, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$415,000$3013/21,3771910.6
1200 Canopy Walk Lane 1233, Palm Coast, FL 32137Listed by REALTY EXECUTIVES OCEANSIDEJul 2026$212,000$1712/21,238700.7
306 Palm Coast Parkway NE 203, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORKJun 2026$130,000$1292/21,006801.3

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$341,990
Price / Sq Ft$290
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,181
Acres0.10 acres
Year Built2025
TypeResidential
Sub-TypeTownhouse
StyleRanch
Property ConditionTo Be Built
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryOld Kings
MiddleIndian Trails

Community Information

Address189 Misty Harbor Trace, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionHammock at Palm Harbor
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size4,356 sq ft
Lot Dimensions40x110
Parcel Number4311310000010100047
ZoningPUD

Amenities

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

Interior

Interior FeaturesOpen Floorplan, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave
HeatingCentral, Electric
CoolingElectric
FlooringCarpet
# of Stories1
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCleared
Patio / PorchRear Porch
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJanuary 10, 2026
Days on Market0
HOA Fees$310 / Monthly
HOA FrequencyMonthly
HOA NameAlsop property mgr
Tax Year2022
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Sold by: NON MLS (realMLS) (buyer's brokerage)

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 29, 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