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Active

Active·43 days on market

38 Lloyd Trail

Palm Coast, FL 32164

$284,900$208/sqftEst. $1,453/moMLS# 2150602

Beds

Baths

1,367

Sq Ft

2004

Built

Garage

Pool

About this home

Palm Coast

Life here feels easy and unforced--start your morning on the screened lanai, enjoying the Florida sunrise and fresh air, move through your day with everything close by, and wind down in a home that's already been thoughtfully improved over time! This Maronda-built home in the Quail Hollow is in a convenient location with quick access to US-1 and SR-100, keeping your every day essentials close, plus you are just a short drive to the beach for those relaxing days on the coast! Inside, the home feels open and comfortable, with vaulted ceilings and architectural archways that define the main living areas while keeping the layout connected and easy to move through. The kitchen features ample cabinetry and an eat-in dinette space that visually connects to the living area, making everyday meals and conversation part of the same shared space. The split-bedroom design gives privacy, with a primary suite that includes a walk-in closet and private bath.

Cost to own

Mortgage calculator

Home Price

$284,900

Down Payment: 20%

$56,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Insurance (est.): $190

Estimated Total Monthly

$1,643

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,453

Estimated total, before insurance$1,453/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,639/yr · $137/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): $1,639/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: Shingle — year not disclosed (home built 2004)

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: ~1,378 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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