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

1 / 3

Pending

Pending·114 days on market

61 Ponce Preserve Drive

Palm Coast, FL 32164

$384,032$161/sqftEst. $1,974/moMLS# 2144018

Beds

Baths

2,388

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. Main-floor highlights of the thoughtfully designed Elderberry plan include a well-appointed kitchen boasting a walk-in pantry and a center island, an open dining area and a spacious great room. A lavish primary suite showcases a generous walk-in closet and a private bath with optional double sinks. The second floor features 2 bedrooms, a loft, and bathroom. A 3 car garage and paver driveway complete the home. 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.

Cost to own

Mortgage calculator

Home Price

$384,032

Down Payment: 20%

$76,806

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,974

Principal & Interest: $1,974

Insurance (est.): $256

Estimated Total Monthly

$2,230

*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$1,974

HOAbilled quarterly$119

Estimated total, before insurance$2,093/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: ~1,656 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

Price & status history

Aug 27, 2026Pending$384,032
Aug 21, 2026Price change$384,032−$5,000
Jul 27, 2026Price change$389,032+$6,000
May 7, 2026Listed$383,032

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$384,032

Price / Sq Ft$161

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,388

Total Structure Area2,988 sq ft

Acres0.30 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

Community Information

Address61 Ponce Preserve Drive, Palm Coast, FL 32164

Area601-Flagler County-North Central

SubdivisionSummerTide

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Lot Size13,068 sq ft

Parcel Number3111315145000000290

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingElectric

FlooringCarpet, Tile

# of Stories1

LevelsTwo

LaundryIn Unit

SecuritySmoke Detector(s)