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Pending

Pending·157 days on market

1332 Ribbon Place

Palm Coast, FL 32164

$464,990$147/sqftEst. $2,391/moMLS# 2137003

Beds

Baths

3,161

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

This versatile Silver Maple welcomes you with a charming front porch. Inside, a dramatic two-story foyer leads to a spacious study and open-concept living space--including a casual dining area, a large kitchen with a center island, and a great room with access to the patio. Additional main-floor highlights include a secluded owner's suite, featuring a sprawling walk-in closet and an en-suite bath with dual vanities and a separate tub and shower. Upstairs, a loft provides access to a full hall bath and four generous secondary bedrooms--each with a walk-in closet and one with its own private bath.

Cost to own

Mortgage calculator

Home Price

$464,990

Down Payment: 20%

$92,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,391

Principal & Interest: $2,391

Insurance (est.): $310

Estimated Total Monthly

$2,701

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,391

HOAbilled annually$15

Estimated total, before insurance$2,406/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,053/yr · $254/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): $3,053/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2026)

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 4, 2026Pending$464,990
Jul 23, 2026Price change$464,990−$17,000
Mar 27, 2026Listed$481,990

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

Features

Price$464,990

Price / Sq Ft$147

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,161

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryBunnell

MiddleBuddy Taylor

HighFlagler Palm Coast

Community Information

Address1332 Ribbon Place, Palm Coast, FL 32164

Area603-Flagler County-South Central

SubdivisionSeminole Woods

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Parcel Number2112315560000000450

Amenities

AmenitiesPool

UtilitiesElectricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySmoke Detector(s)

Spa FeaturesCommunity