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Active

Active·20 days on market

15 Wellham Lane

Palm Coast, FL 32164

$565,000$223/sqftEst. $3,007/moMLS# 2151186

Beds

Baths

2,530

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Brand-new 2026 duplex in the desirable Pine Lakes area of Palm Coast. Each unit features 3 bedrooms, 2 bathrooms, an open-concept design, porcelain tile flooring throughout, a stylish kitchen with backsplash, indoor laundry hookups, and a screened rear porch for year-round outdoor enjoyment. Thoughtfully designed to maximize comfort, functionality, and privacy, this property is ideal for homeowners, multi-generational living, or investors. Conveniently located near schools, shopping, dining, golf courses, medical facilities, parks, and scenic walking and biking trails, with easy access to I-95 and just a short drive to Flagler Beach. A versatile property offering both income potential and modern living. Schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$565,000

Down Payment: 20%

$113,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,007

Principal & Interest: $3,007

Est. Taxes & Insurance: $752

Estimated Total Monthly

$3,759

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$3,007

Estimated total, before insurance$3,007/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,018/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: ~1,510 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History