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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·252 days on market

11160 US Highway 1 N

Palm Coast, FL 32137

$1,695,000$344/sqftEst. $8,976/moMLS# 2124932
$5,000 below original list
4
Beds
3.5
Baths
4,930
Sq Ft
2023
Built
10
Garage
No
Pool
FEMA Zone XNo HOA10.80 acresWaterfrontSingle Family Residence2 stories

About this home

Palm Coast

A RARE OVER 10 ACRE PRIVATE ESTATE IN PALM COAST featuring a nearly 5,000 SF custom residence, approx. 3,000 SF barn/garage, private pond, and fenced and gated grounds on a fresh water canal. The oversized garage adds exceptional versatility, including an air-conditioned area ideal for an office, studio or hobby space, plus additional storage above. There is abundant room for a car collection, RVs, boats, equipment, recreational toys or workshop space--an incredible feature that is difficult to find with a traditional luxury home. WANT EVEN MORE? Two adjoining properties are also available separately, offering the opportunity to expand this estate into an extraordinary 18+ ACRE FAMILY COMPOUND. The addt'l properties include a beautifully renovated 3 BR/2 BA 2nd residence with its own barn/garage, which can be purchased separately for $459,000 Also a 5+ acre parcel with its own direct US Highway 1 access, can be purchased for $459,000 as well CLICK ''MORE'' for addt'l info.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$8,976
Estimated total, before insurance$8,976/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,074/yr · $339/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,695,000
$339,000
Loan Term
Monthly Payment
$8,976
Principal & Interest: $8,976
Insurance (est.): $1,130
Estimated Total Monthly
$10,106
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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: Metal — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Likely septic

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,778 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,074/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

  • Sep 14, 2026Price change$1,695,000$5,000
  • Jan 13, 2026Listed$1,700,000

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

Features

Price$1,695,000
Price / Sq Ft$344
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage4,930
Total Structure Area4,930 sq ft
Acres10.80 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Craftsman
StatusActive
# of Garages10
Has PoolNo
Is WaterfrontYes
Direction FacesWest

Community Information

Address11160 US Highway 1 N, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size470,448 sq ft
Parcel Number2110300000020200020
ZoningZoned for Horses

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Available
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Electric Vehicle Charging Station(s), Gated, RV Access/Parking, Shared Driveway
ViewCanal, Pond
Waterfront TypeCanal Front, Pond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Induction Cooktop, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Zoned
FlooringLaminate, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySecurity Fence, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesFire Pit, Impact Windows
Lot DescriptionAgricultural, Cleared, Drainage Canal, Farm, Split Possible
Patio / PorchCovered, Front Porch, Porch, Screened
FencingFull
RoofMetal
ConstructionConcrete, Fiber Cement, Stucco
Other StructuresBarn(s), Guest House, Shed(s), Workshop
Road SurfaceAsphalt, Dirt
Road FrontageCounty Road, Private Road

Additional Information

Date ListedJanuary 13, 2026
Days on Market244
Tax Amount$4,073.57
Tax Year2025
Listing TermsCash, Conventional, Owner May Carry
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SEABREEZE REALTY · realtorjeanne@yahoo.com

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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