Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 31
Sold

Sold·Closed Jun 25, 2026·90 days on market

21 Mahogany Way

Palm Coast, FL 32164

$590,000sold priceListed at $600,000 · 98.3% of asking$211/sqftMLS# 2131089
4
Beds
4
Baths
2,790
Sq Ft
2025
Built
2
Garage
No
Pool
HOA $100/mo6,534 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Palm Coast

Welcome home to this spacious two-story residence in the heart of Palm Coast. This four-bedroom, four-bath home offers a flexible layout ideal for a variety of living arrangements. Two bedrooms with full bathrooms are located on the main level, providing convenience for guests or multigenerational living. Additional ensuite bedrooms and flexible living space are located upstairs. The open-concept main living area connects the kitchen, dining, and living rooms, creating a functional flow for everyday living and entertaining. The kitchen features ample cabinetry and counter space. Generously sized rooms, a practical layout, and ample storage throughout enhance comfort and usability. Located in a family-friendly neighborhood close to schools, parks, shopping, and dining. Convenient access to local amenities makes this home well suited for today's lifestyles.

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$3,268
HOAbilled quarterly$100
Estimated total, before insurance$3,368/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,240/yr · $103/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

$590,000
$118,000
Loan Term
Monthly Payment
$3,268
Principal & Interest: $3,268
Insurance (est.): $393
Estimated Total Monthly
$3,661
*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: ~1,689 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,240/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.

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 $165/sq ft; this home is listed at $215/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
219 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCAug 2026$377,997$1725/32,2004210.5
223 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCJun 2026$405,331$1654/32,4503410.5
208 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$364,555$1645/32,222790.6
203 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCAug 2026$358,997$1625/32,222390.6
31 E Diamond Drive, Palm Coast, FL 32164Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$430,000$2053/22,101230.6
212 Thornberry Way, Palm Coast, FL 32164Listed by AXEN REALTY LLCJun 2026$376,997$1544/32,4503720.6

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$600,000
Price / Sq Ft$215
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage2,790
Total Structure Area0.15 sq ft
Acres0.15 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryBelle Terre
MiddleBuddy Taylor

Community Information

Address21 Mahogany Way, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionRetreat at Town Center
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,534 sq ft
Parcel Number0612315180000000610
ZoningResidential

Amenities

AmenitiesPool, Gated, Jogging Path, Maintenance Grounds
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Sink, Washer Hookup
SecurityKey Card Entry, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Porch, Rear Porch
RoofShingle
ConstructionComposition Siding, Frame
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 20, 2026
Days on Market90
HOA Fees$301 / Quarterly
HOA FrequencyQuarterly
HOA NameRetreat at Town Center Property Owners Association
Tax Amount$1,240.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY LLC

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 25, 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