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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·52 days on market

8 Big Pine Drive

Palm Coast, FL 32164

$299,990$206/sqftEst. $1,547/moMLS# 2150582
3
Beds
2
Baths
1,454
Sq Ft
2026
Built
2
Garage
No
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

$299,990
$59,998
Loan Term
Monthly Payment
$1,547
Principal & Interest: $1,547
Insurance (est.): $200
Estimated Total Monthly
$1,747
*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,547
HOAbilled annually$33
Estimated total, before insurance$1,580/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.

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 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.

History

Price & status history

  • Aug 1, 2026Price change$299,990$4,000
  • Jul 25, 2026Price change$303,990+$18,990
  • Jun 14, 2026Listed$285,000

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

Features

Price$299,990
Price / Sq Ft$206
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,454
Total Structure Area1,700 sq ft
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorth

School Information

ElementaryBunnell
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address8 Big Pine Drive, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionSeminole Trace
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number2912312965000002430
ZoningResidential

Amenities

AmenitiesDog Park, Gated, Jogging Path, Pickleball
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesSplit Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne

Exterior

Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJune 15, 2026
Days on Market49
HOA Fees$393 / Annually
HOA FrequencyAnnually
HOA NameSovern and Jacob’s.
Tax Amount$1,727.04
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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

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