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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·101 days on market

94 Del Palma Drive

Palm Coast, FL 32137

$1,150,000$390/sqftEst. $5,906/moMLS# 2145057
3
Beds
2
Baths
2,949
Sq Ft
2022
Built
2
Garage
Yes
Pool

About this home

Palm Coast

***SELLER OFFERING SELLER FINANCING***HOME BEING OFFERED FULLY FURNISHED MINUS A FEW THINGS***Imagine walking into a home that was thoughtfully designed for elevated everyday living, where function and luxury come together seamlessly! From the moment you arrive, this 2022 custom-built SALTWATER POOL home makes an immediate impression. Situated on the second-largest lot in Marina Del Palma, the expansive footprint and deep extended driveway create a true private estate feel. You're welcomed by a massive 8-foot custom pivot door and grand 16-foot foyer that opens into a space defined by soaring 12-foot ceilings, and matte porcelain tile, offering a clean, modern, luxury aesthetic throughout. At the heart of the home is a chef-inspired kitchen designed for both entertaining and everyday living. Anchored by a professional 48-inch ZLINE gas range with double ovens and a massive quartz island, the space naturally becomes the centerpiece of the home.

Cost to own

Mortgage calculator

$1,150,000
$230,000
Loan Term
Monthly Payment
$5,906
Principal & Interest: $5,906
Insurance (est.): $767
Estimated Total Monthly
$6,673
*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,906
HOAbilled quarterly$451
Estimated total, before insurance$6,357/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,423/yr · $1,119/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): $13,423/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: Concrete, Tile — year not disclosed (home built 2022)

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

Solar potential: ~1,823 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

  • May 13, 2026Listed$1,150,000

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

Features

Price$1,150,000
Price / Sq Ft$390
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,949
Total Structure Area4,234 sq ft
Acres0.32 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo
Direction FacesNorthwest

School Information

ElementaryOld Kings
MiddleIndian Trails
HighMatanzas

Community Information

Address94 Del Palma Drive, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionMarina Del Palma
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size13,939.2 sq ft
Parcel Number3511314075000000470
ZoningPUD

Amenities

AmenitiesPool, Boat Dock, Boat Launch, Boat Slip, Clubhouse, Dog Park, Fitness Center, Gated, Marina, Playground, Tennis Court(s), Water
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPool

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Refrigerator, Washer
HeatingElectric
CoolingCentral Air, Electric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingFenced, Back Yard, Block, Full, Wrought Iron
RoofConcrete, Tile
ConstructionBlock, Concrete, Stucco
Road SurfaceAsphalt, Paved
Road FrontagePrivate Road

Additional Information

Date ListedMay 13, 2026
Days on Market95
HOA Fees$1,351.68 / Quarterly
HOA FrequencyQuarterly
HOA NameMarina Del Palma | Susan Sprunger
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Security
Tax Amount$13,423.07
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REMAX SELECT PROFESSIONALS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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8/23/2026

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