27 Big Pine Drive

Palm Coast, FL 32164

$310,000$164/sqftEst. $1,594/moMLS# 2145859

Beds

Baths

1,885

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

The MADISON II 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 II floor plan.

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,594

Principal & Interest: $1,594

Insurance (est.): $207

Estimated Total Monthly

$1,800

*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$1,594

HOAbilled annually$33

Estimated total, before insurance$1,626/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,727/yr · $144/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): $1,727/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.