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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·193 days on market

20 Sherbury Court

Palm Coast, FL 32137

$175,000$159/sqftEst. $927/moMLS# 2134371
2
Beds
2
Baths
1,098
Sq Ft
1985
Built
—
Garage
No
Pool
FEMA Zone XHOA $435/mo871 sqft lotCondominium2 stories

About this home

Palm Coast

Light and bright 2-bedroom, 2-bath condo located in the desirable Wood Haven community in Palm Coast. This well-maintained home features fresh interior paint, luxury vinyl flooring, and a 2022 AC system, creating a clean, modern feel that is move-in ready. The spacious floor plan offers both a separate dining area and a cozy breakfast nook, providing flexible space for everyday living and entertaining. Enjoy plenty of natural light throughout the home and relax on the large screened-in lanai with peaceful views, perfect for enjoying Florida's beautiful weather year-round. Additional highlights include designated parking and visitor parking. Residents enjoy community amenities including a swimming pool, tennis courts, and clubhouse. Conveniently located near I-95, A1A, and Palm Coast Parkway with easy access to shopping, restaurants, healthcare, and nature trails.

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$927
HOAbilled monthly$435
Estimated total, before insurance$1,362/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,985/yr · $249/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

$175,000
$35,000
Loan Term
Monthly Payment
$927
Principal & Interest: $927
Insurance (est.): $117
Estimated Total Monthly
$1,043
*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: material not specified — year not disclosed (home built 1985)

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

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: ~1,757 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): $2,985/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

  • Mar 11, 2026Listed$175,000

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

Features

Price$175,000
Price / Sq Ft$159
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,098
Acres0.02 acres
Year Built1985
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address20 Sherbury Court, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionWoodhaven Condo at Palm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size871.2 sq ft
Parcel Number0711317100003000201

Amenities

UtilitiesSewer Connected, Water Connected
Water SourcePublic
ParkingAssigned, Guest
ViewPond, Trees/Woods

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories2
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesTennis Court(s)
Patio / PorchPatio, Screened
Other StructuresTennis Court(s)
Road SurfaceAsphalt

Additional Information

Date ListedMarch 11, 2026
Days on Market108
HOA Fees$435 / Monthly
HOA FrequencyMonthly
HOA NameVest Property Services
Tax Amount$2,985.27
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER REALTY · bernard@endlesssummerrealty.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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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