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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Pending

Pending·114 days on market

53 Ponce Preserve Drive

Palm Coast, FL 32164

$365,438$176/sqftEst. $1,879/moMLS# 2143937

Beds

Baths

2,077

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Rates as low as 4.99! Up to $15k CC for any deal using our preferred lender. Discover this must-see Slate model home. Included features: an inviting covered entry; a large great room; a well-appointed kitchen with a walk-in pantry and a center island; a stunning primary suite showcasing an expansive walk-in closet and a private bath with both a soaker tub and shower; a separate en-suite with it's own bath with walk-in shower; a convenient laundry; a covered patio and a 3-car garage. Washer, dryer, refrigerator are included. Visit today! SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Financing subject to change without notice.

Cost to own

Mortgage calculator

Home Price

$365,438

Down Payment: 20%

$73,088

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,879

Principal & Interest: $1,879

Insurance (est.): $244

Estimated Total Monthly

$2,122

*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$1,879

HOAbilled quarterly$119

Estimated total, before insurance$1,998/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.

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 2026)

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

Solar potential: ~1,782 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