13 Big Pine Drive

Palm Coast, FL 32164

$313,238$215/sqftEst. $1,667/moMLS# 2145756

Beds

Baths

1,454

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

The Madison Villa is a beautifully designed single-story home that offers a perfect blend of style and functionality. Featuring 3 spacious bedrooms, this villa ensures comfortable living for families or guests. The primary suite boasts a luxurious walk-in closet, providing ample storage and a touch of elegance. The heart of the home is a spacious kitchen, ideal for both casual meals and entertaining. With a 2-car garage, there's plenty of space for parking and storage, making The Madison Villa a perfect choice for those seeking both comfort and convenience in their home. **Photos are representative of the Madison floor plan.

Cost to own

Mortgage calculator

Home Price

$313,238

Down Payment: 20%

$62,648

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,582

Principal & Interest: $1,582

Est. Taxes & Insurance: $396

Estimated Total Monthly

$1,978

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$1,667

HOAbilled annually$33

Estimated total, before insurance$1,700/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): $1,727/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.