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Active

Active·176 days on market

108 Buccaneer Place

Palm Coast, FL 32164

$384,990$160/sqftEst. $2,049/moMLS# 2125989

Beds

Baths

2,407

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

The charming Santa Rosa II plan boasts a smartly designed layout with plenty of entertaining and private living space. At the heart of the home, an open-concept design includes a spacious great room that flows into a casual dining area—with access to a patio—and a well-appointed kitchen with a center island and large walk-in pantry. Additional main-floor highlights include a convenient valet entry off the garage, a generous secondary bedroom with a walk-in closet, and a full hall bath. Upstairs, a versatile loft provides access to two secondary bedrooms—each with a walk-in closet—that flank a full bath. Completing the upstairs, a lavish owner's suite features an attached bath and an expansive walk-in closet.

Cost to own

Mortgage calculator

Home Price

$384,990

Down Payment: 20%

$76,998

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,945

Principal & Interest: $1,945

Est. Taxes & Insurance: $486

Estimated Total Monthly

$2,431

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,049

HOAbilled annually$15

Estimated total, before insurance$2,064/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,053/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History