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Active

Active·131 days on market

10 Fanwood Court

Palm Coast, FL 32137

$459,000$352/sqftEst. $2,340/moMLS# 2135170

Beds

Baths

1,303

Sq Ft

1977

Built

Garage

Yes

Pool

About this home

Palm Coast

WATERFRONT, saltwater POOL home with no flood insurance needed! Enjoy or rent out this adorable 2 bedroom, 2 bath home in Palm Coast's desirable F section! So close to beaches, shops, restaurants, and golf course make this a fantastic location! Dock in place ready to enjoy your boat. Jump in and it's only a short ride to the Intracoastal Waterway to reach popular area sandbars and favorite fishing spots. NEW roof added in 2021 and new water heater added in 2023. Some improvements still needed to make it perfect, but that's why it's one of the lowest-priced saltwater canal waterfront with pool homes in the area! Schedule your showing today! (Owner is licensed FL Real Estate Broker.)

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,340

Principal & Interest: $2,340

Insurance (est.): $306

Estimated Total Monthly

$2,646

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,340

Estimated total, before insurance$2,340/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,227/yr · $269/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,227/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: material not specified — year not disclosed (home built 1977)

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: ~1,583 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.

History