Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·63 days on market

15 Bud Shire Lane

Palm Coast, FL 32137

$359,900$231/sqftEst. $1,852/moMLS# 2148072

Beds

Baths

1,555

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Under Construction. ASK ABOUT THE BUILDERS INCENTIVES NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender. UP TO $18,500 UPGRADES INCLUDED!! Welcome to our stunning new construction home! Step into your dream home, where every detail whispers luxury and every corner radiates elegance. Our architectural masterpiece, a symphony of modernity and comfort, poised to be the epitome of sophisticated living. Be greeted by tile flooring throughout, majestic 8-foot designer front door, inviting you into a world of refinement. Sunlight dances through the front windows, cascading warmth into the heart of the home. Inside, enjoy the seamless fusion of indoor and outdoor living with an 8-foot slider leading to the lanai. Ceilings soar to 9'4'', expanding the sense of space, while designer molding and stylish Riverside doors bestow a regal charm. The interior is a canvas of contemporary opulence, illuminated by designer lighting accentuating the open floor plan. Behold the chef's

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,852

Principal & Interest: $1,852

Insurance (est.): $240

Estimated Total Monthly

$2,092

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,852

Estimated total, before insurance$1,852/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$576/yr · $48/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): $576/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 2026)

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

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,737 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