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Active

Active·113 days on market

9 Wheeler Place

Palm Coast, FL 32164

$424,900$210/sqftEst. $2,166/moMLS# 2138383

Beds

Baths

2,028

Sq Ft

2000

Built

—

Garage

Pool

About this home

Palm Coast

House Hack your way to home ownership! Unlock the potential of income-producing real estate with this well-maintained concrete block DUPLEX in Palm Coast, a growing community known for its charm and many conveniences. Situated on a quarter acre lot, this property offers the perfect blend of stability and opportunity, with established tenants already in place providing immediate, steady income from day one. Each of the two units features a functional and desirable layout with two bedrooms, two full bathrooms, laundry closet, independent entry, a dedicated carport, and private storage rooms. Durable tile flooring, updated appliances, and solid block construction delivers long-term low maintenance. The property is in excellent condition, making it a truly turnkey investment. Just a short drive to the beautiful beaches of Flagler County, 35 mins to historic St. Augustine, and 30 minutes to the Daytona Speedway and International Airport. Enjoy stunning state parks, local trails, and

Cost to own

Mortgage calculator

Home Price

$424,900

Down Payment: 20%

$84,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,166

Principal & Interest: $2,166

Insurance (est.): $283

Estimated Total Monthly

$2,450

*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$2,166

Estimated total, before insurance$2,166/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,299/yr · $442/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): $5,299/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 2000)

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

Solar potential: ~1,660 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