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Active

Active·36 days on market

4 Oriole Road

Palm Coast, FL 32164

$284,990$190/sqftEst. $1,517/moMLS# 2144470

Beds

Baths

1,499

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

You enter the home and are immediately welcomed into the open family room, kitchen, and dining area, designed for comfortable, connected living. Just off the family room, you'll find access to the two-car garage, a laundry room, and two secondary bedrooms that share a full bath. From the dining area, a covered patio offers space to relax outdoors. Also off the dining space is the primary bedroom, complete with a walk-in closet and a private primary bath.

Cost to own

Mortgage calculator

Home Price

$284,990

Down Payment: 20%

$56,998

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,517

Principal & Interest: $1,517

Est. Taxes & Insurance: $379

Estimated Total Monthly

$1,896

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$1,517

HOAbilled monthly$98

Estimated total, before insurance$1,615/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $901/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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,682 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History