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Active

Active·108 days on market

54 Underwood Trail

Palm Coast, FL 32164

$489,900Est. $2,607/moMLS# 2137421

Beds

Baths

Sq Ft

—

Built

Garage

Pool

About this home

Palm Coast

INVESTMENT OPPORTUNITY! Brand-new construction available with limited-time builder incentives. Designed with investors in mind, this home offers the benefits of new construction, including modern finishes, energy-efficient features, builder warranties, and strong rental potential. Qualified buyers may be eligible for special financing of 3.75% interest rate (5.068% APR), two years of professional property management, and rent protection incentives. Contact your REALTOR® for complete program details and eligibility requirements. House Hacking Programs Available! Home is currently under construction. Photos are of a similar or previously completed home and are provided for illustrative purposes only. Actual features, finishes, colors, and floor plan details may vary.

Cost to own

Mortgage calculator

Home Price

$489,900

Down Payment: 20%

$97,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,490

Principal & Interest: $2,490

Est. Taxes & Insurance: $623

Estimated Total Monthly

$3,113

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,607

Estimated total, before insurance$2,607/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $906/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

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

Solar potential: ~1,569 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History