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Active

Active·72 days on market

1 Clementon Lane

Palm Coast, FL 32137

$498,000$258/sqftEst. $2,539/moMLS# 2145378

Beds

Baths

1,931

Sq Ft

2025

Built

Garage

Pool

About this home

Palm Coast

Beautiful model home situated on a desirable corner lot in the highly sought-after Palm Harbor area. This bright and airy 3-bedroom, 2-bath home offers an open floor plan with comfortable living spaces and a welcoming feel throughout. The spacious kitchen is the heart of the home, featuring abundant cabinetry, plenty of counter space, and a cozy eat-in area, all flowing seamlessly into the dining and living areas, perfect for everyday living and entertaining. The open living room feels light, inviting, and ideal for gatherings or relaxing at home. The private primary suite offers generous space, a walk-in closet, and a beautifully designed en-suite bathroom complete with dual sinks, a walk-in shower with built-in bench seating, a linen closet, and a private water closet.

Cost to own

Mortgage calculator

Home Price

$498,000

Down Payment: 20%

$99,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,539

Principal & Interest: $2,539

Insurance (est.): $332

Estimated Total Monthly

$2,871

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,539

Estimated total, before insurance$2,539/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,209/yr · $101/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): $1,209/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: ~1,564 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