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Active

Active·156 days on market

15 Old Oak Drive N

Palm Coast, FL 32137

$870,000$288/sqftEst. $4,473/moMLS# 2137028

Beds

Baths

3,019

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Palm Coast

Welcome to this exceptional home nestled within an exclusive gated island community, where privacy, comfort, and spacious living come together seamlessly. Offering 4 generously sized bedrooms and 4 full bathrooms, this residence is thoughtfully designed to accommodate families of all sizes. Step inside to discover an open and inviting floor plan that blends functionality with style. Expansive living spaces connect effortlessly to the kitchen and dining areas, creating the perfect setting for both everyday living and entertaining guests. Large windows fill the home with natural light, enhancing the warm and welcoming atmosphere throughout. Each bedroom provides ample space and storage, while the well-appointed bathrooms offer convenience and comfort for family and visitors alike. Outside, your private backyard oasis awaits. Relax or entertain year-round in the screened-in pool area, providing the perfect space to enjoy Florida's beautiful weather while keeping insects and debris at bay.

Cost to own

Mortgage calculator

Home Price

$870,000

Down Payment: 20%

$174,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,473

Principal & Interest: $4,473

Insurance (est.): $580

Estimated Total Monthly

$5,053

*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$4,473

HOAbilled monthly$165

Estimated total, before insurance$4,638/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,012/yr · $918/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): $11,012/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 — year not disclosed (home built 2006)

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: ~1,773 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

Price & status history

Aug 18, 2026Price change$870,000−$30,000
Mar 27, 2026Listed$900,000

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

Features

Price$870,000

Price / Sq Ft$288

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,019

Acres0.35 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Community Information

Address15 Old Oak Drive N, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionSanctuary

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size15,246 sq ft

Parcel Number2910315540000001060

Amenities

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup

SecurityGated with Guard