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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

Active·111 days on market

11 Sparrow Street

Palm Coast, FL 32164

$277,240$198/sqftEst. $1,468/moMLS# 2148084
$22,750 below original list
3
Beds
2
Baths
1,401
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $98/moSingle Family Residence1 storyNew construction

About this home

Palm Coast

You enter the home from the covered porch into the foyer, where a coat closet and access to the two-car garage welcome you. Continuing through the hallway, you step into the open family room, dining area, and kitchen. Off the dining area are two additional bedrooms that share a full bath, along with a conveniently located laundry room. Just off the kitchen, you'll find a covered back patio perfect for outdoor living, as well as the primary bedroom featuring a walk-in closet and a private primary bath.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,468
HOAbilled monthly$98
Estimated total, before insurance$1,566/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$901/yr · $75/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

$277,240
$55,448
Loan Term
Monthly Payment
$1,468
Principal & Interest: $1,468
Insurance (est.): $185
Estimated Total Monthly
$1,653
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $901/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

  • Sep 11, 2026Price change$277,240+$500
  • Aug 29, 2026Price change$276,740+$1,000
  • Aug 17, 2026Price change$275,740+$250
  • Jul 24, 2026Price change$275,490+$500
  • Jul 17, 2026Price change$274,990$10,000
  • Jul 8, 2026Price change$284,990$15,000
  • Jul 8, 2026Price change$299,990+$15,000
  • Jun 1, 2026Listed$284,990

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

Features

Price$277,240
Price / Sq Ft$198
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,401
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryRymfire
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address11 Sparrow Street, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number3211315390000001350

Amenities

AmenitiesPool, Management - Off Site, Park
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Construction, HVAC, Lighting, Thermostat, Windows
ParkingGarage

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt, Paved
Road FrontageCity Street

Additional Information

Date ListedJune 1, 2026
Days on Market105
HOA Fees$98 / Monthly
HOA FrequencyMonthly
Tax Amount$900.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ASHTON WOODS FLORIDA REALTY LLC · anastasia.prizzia@starlighthomes.com

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

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