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Active

Active·118 days on market

38 Slumber Meadow Trail

Palm Coast, FL 32164

$489,900$251/sqftEst. $2,498/moMLS# 2137430

Beds

Baths

1,954

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! 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: 6.58%

Loan Term

Monthly Payment

$2,498

Principal & Interest: $2,498

Insurance (est.): $327

Estimated Total Monthly

$2,824

*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$2,498

Estimated total, before insurance$2,498/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$871/yr · $73/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): $871/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: material not specified

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

Solar potential: ~1,603 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