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Pending

Pending·54 days on market

64 Oriole Road

Palm Coast, FL 32164

$300,740$165/sqftEst. $1,593/moMLS# 2135368
4
Beds
2
Baths
1,827
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $98/moWaterfrontSingle Family Residence1 storyNew construction

About this home

Palm Coast

Welcome to this beautifully designed Firefly floorplan by Starlight Homes, offering 4 bedrooms and 2 bathrooms with a functional, open-concept layout perfect for modern living. The spacious kitchen features elegant granite countertops, ample cabinetry, and a seamless flow into the living and dining areas, ideal for entertaining or everyday comfort. The private primary suite provides a relaxing retreat, while three additional bedrooms offer flexibility for family, guests, or a home office. Both bathrooms are thoughtfully finished with stylish quartz countertops, adding a touch of durability and sophistication. With quality finishes throughout and a layout designed for convenience and efficiency, this home is a great opportunity for homeowners seeking comfort, style, and value in a desirable Palm Coast location.

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$1,593
HOAbilled monthly$98
Estimated total, before insurance$1,691/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$300,740
$60,148
Loan Term
Monthly Payment
$1,593
Principal & Interest: $1,593
Insurance (est.): $200
Estimated Total Monthly
$1,793
*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: Shingle — year not disclosed (home built 2025)

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

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

Price & status history

  • Aug 21, 2026Pending$300,740
  • Aug 17, 2026Price change$300,740+$750
  • Jul 28, 2026Active$299,990
  • Jul 17, 2026Pending$299,990
  • Jul 2, 2026Listed$299,990

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

Features

Price$300,740
Price / Sq Ft$165
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,827
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryRymfire
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address64 Oriole Road, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number3211315390000001730

Amenities

AmenitiesPool, Management - Off Site, Park
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyConstruction, HVAC, Lighting, Thermostat, Windows
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt, Paved

Additional Information

Date ListedJuly 28, 2026
Days on Market103
HOA Fees$98 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ASHTON WOODS FLORIDA REALTY LLC · anastasia.prizzia@starlighthomes.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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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