This home is in Pine Grove, Palm Coast.

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Active

Active·118 days on market·Pine Grove

33 Phoenix Lane

Palm Coast, FL 32164

$329,000$168/sqftEst. $1,751/moMLS# 2133257

Beds

Baths

1,960

Sq Ft

2005

Built

Garage

Pool

About this home

Pine Grove

They don't make them like this any longer for this price. Check out this Masterpiece Homes The Brittany. This home offers 4 bedrooms, 2 bathrooms with two living areas to gather and entertain. Beautiful center kitchen with gorgeous granite and large eating bar. Split floor plan for to give a feel of separate living areas. Over 9' ceilings and a lot of architectural features. Huge screened 29x10 patio for relaxing. This home offers new large palm trees for a upgraded landscaping. New AC 2022,new roof 2020. Great location, just minutes to shopping and I-95, only minutes to Flagler Beach and a day trip to the attractions in Orlando.

Cost to own

Mortgage calculator

Home Price

$329,000

Down Payment: 20%

$65,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,672

Principal & Interest: $1,672

Est. Taxes & Insurance: $418

Estimated Total Monthly

$2,090

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,751

Estimated total, before insurance$1,751/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): $5,034/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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

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

Solar potential: ~1,726 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

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