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Active

Active·36 days on market

1357 Ribbon Place

Palm Coast, FL 32164

$351,620$186/sqftEst. $1,871/moMLS# 2126625

Beds

Baths

1,895

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Designed to fit your lifestyle, the single-story Captiva plan welcomes you with a large front porch, ushering you into a spacious foyer. Anchoring the home, an open-concept living area includes a kitchen with a center island and corner pantry, overlooking a dining area and a great room—boasting access to a relaxing covered patio overlooking a serene pond. The primary suite dazzles with lots of windows, a roomy walk-in closet and a spacious primary bathroom. Additional highlights include a flex room in between the two secondary bedrooms, making it a great space for an in-law suite. This home will also feature LVP in all the main living areas, quartz countertops in kitchen and baths and 42-inch cabinets with crown, Chef's kitchen & large 8ft 3 panel sliding door. Seminole Palms residents will enjoy on-site, resort-style amenities, including a playground, dog park, ponds, and walking trails, along with a state-of-the-art center with a fitness room, community space, and a pavilion.

Cost to own

Mortgage calculator

Home Price

$351,620

Down Payment: 20%

$70,324

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,776

Principal & Interest: $1,776

Est. Taxes & Insurance: $444

Estimated Total Monthly

$2,220

*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$1,871

HOAbilled annually$15

Estimated total, before insurance$1,887/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): $2,921/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: material not specified — 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