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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 Under Contract

Active Under Contract·155 days on market

2 Huxley Avenue

Palm Coast, FL 32164

$350,000$214/sqftEst. $1,908/mo mortgageMLS# 2147270
2
Beds
2
Baths
1,635
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $189/mo6,098 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

Seller offering $5K in closing cost incentive. Like new, still under builder warranty this home has over $50K of upgrades. Enjoy the natural light in this open floor plan end unit. Durable wood look TILE floors, quartz counters, tray ceilings, add'l recessed lighting, screened lanai, separate walled office, smart home security system and more. Close to shopping and a short drive to beautiful Flagler beach.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$1,908
HOAbilled quarterly$189
Estimated total, before insurance$2,097/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,080/yr · $90/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$350,000
$70,000
Loan Term
Monthly Payment
$1,908
Principal & Interest: $1,908
Insurance (est.): $233
Estimated Total Monthly
$2,142
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2025)

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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,080/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.

History

Price & status history

  • Oct 13, 2026Active Under Contract$350,000
  • May 27, 2026Listed$350,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $176/sq ft; this home is listed at $214/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
65 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCOct 2026$363,288$1764/32,0701291.1
71 Ryan Drive, Palm Coast, FL 32164Listed by D R HORTON REALTY INCSep 2026$313,000$1684/21,862231.1
53 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$365,438$1764/32,077901.1
39 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCOct 2026$363,997$1764/32,0705491.2
49 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$358,080$1734/32,0701121.2
32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$360,997$1744/32,0771001.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$350,000
Price / Sq Ft$214
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,635
Acres0.14 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleVilla
StatusActive Under Contract
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
MiddleBuddy Taylor, reported on 2 other Retreat at Town Center listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address2 Huxley Avenue, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionRetreat at Town Center
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,098.4 sq ft
Parcel Number0612315180000001200

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

AppliancesDishwasher, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
SecuritySecurity Gate, Security System Owned

Exterior

Patio / PorchPatio, Screened

Additional Information

Date ListedMay 27, 2026
Days on Market155
HOA Fees$567 / Quarterly
HOA FrequencyQuarterly
Tax Amount$1,080.38
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LMH REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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