Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active·130 days on market

27 Cherrytree Court

Palm Coast, FL 32137

$775,000$261/sqftEst. $3,984/moMLS# 2140929

Beds

Baths

2,965

Sq Ft

1988

Built

Garage

Yes

Pool

About this home

Palm Coast

A true boater's dream, ideal for water enthusiasts embracing the best of the Florida lifestyle. Situated on a wide 100-foot wide saltwater canal, this waterfront pool home offers 80 feet of water frontage and effortless access to the Intracoastal Waterway. Captivating water views are enjoyed from every room. Offering nearly 3,000 square feet of living space, the residence is perfectly suited for a large family or exceptional entertaining. Kitchen with solid surface countertops and lots of cabinets; breakfast nook overlooking pool area and the salt water canal. Expansive telescopic sliders provide seamless access to the pool area and saltwater canal from the tiled great room featuring a Tiki bar with TV. The boathouse features an 8,000-lb boat lift and low-maintenance Trex decking. Solar heated pool and heat pump that can also be used to cool the pool. What an opportunity!

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,984

Principal & Interest: $3,984

Insurance (est.): $517

Estimated Total Monthly

$4,501

*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$3,984

Estimated total, before insurance$3,984/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,367/yr · $864/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): $10,367/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1988)

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: ~1,799 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