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Active

Active·39 days on market

68 Eric Drive

Palm Coast, FL 32164

$498,900$210/sqftEst. $2,544/moMLS# 2151078

Beds

Baths

2,376

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Virtually Staged. Under Construction. Under Construction. ASK ABOUT THE BUILDERS INCENTIVES NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender. UP TO $55,000 UPGRADES INCLUDED!! Where affordable luxury meets thoughtful design! This beautifully crafted Bellagio model offers 4 spacious bedrooms, including a generous in-law suite, and 3 full baths--ideal for modern, multi-generational living. Features include a 2-car garage, large laundry room, LVP flooring, and a designer kitchen with sleek black stainless steel appliances. The open-concept layout flows to a covered lanai, perfect for relaxing or entertaining. High-end finishes and practical elegance blend seamlessly, delivering space, style, and value. The well and irrigation system will also save you thousands each month! Located near shopping, schools, beaches, walking paths, community center with pickleball, and more! Pictures are from 20 Essington Lane, Palm Coast FL.

Cost to own

Mortgage calculator

Home Price

$498,900

Down Payment: 20%

$99,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,544

Principal & Interest: $2,544

Insurance (est.): $333

Estimated Total Monthly

$2,876

*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$2,544

Estimated total, before insurance$2,544/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$949/yr · $79/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): $949/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 2026)

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

Solar potential: ~1,323 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