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Active

Active·15 days on market

20 Porto Mar 202

Palm Coast, FL 32137

$1,499,000Est. $7,978/moMLS# 2153165

Beds

Baths

Sq Ft

2004

Built

Garage

Pool

About this home

Palm Coast

''UNIQUE OPPORTUNITY! Rarely available totally renovated ocean front 2 bedroom condominium for immediate occupancy without the hassle and expense of contractors and subs. Decorate and furnish the way you desire and then move right in to begin enjoying beachfront living.''

Cost to own

Mortgage calculator

Home Price

$1,499,000

Down Payment: 20%

$299,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,572

Principal & Interest: $7,572

Est. Taxes & Insurance: $1,893

Estimated Total Monthly

$9,465

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). 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$7,978

HOAbilled monthly$1,333

Estimated total, before insurance$9,311/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): $10,472/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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Tile — year not disclosed (home built 2004)

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

Sewer · FLA011602 - Dunes Community Development District · Public water (record)

County records show this parcel on central sewer served by FLA011602 - Dunes Community Development District — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,820 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

Price & status history

Jun 30, 2026Listed$1,499,000

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

Features

Price$1,499,000

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Acres0.77 acres

Year Built2004

TypeResidential

Sub-TypeCondominium

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryBelle Terre

MiddleBuddy Taylor

HighMatanzas

Community Information

Address20 Porto Mar 202, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionHammock Dunes

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size33,541.2 sq ft

Parcel Number0411313210000B02020

ZoningCondominium

Amenities

AmenitiesPool, Beach Access, Elevator(s), Gated, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management - Off Site, Management- On Site, Sauna, Security, Spa/Hot Tub, Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePublic

ParkingCovered, Gated, Parking Lot, Underground

ViewBeach, Golf Course, Ocean

Waterfront TypeOcean Access, Ocean Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Elevator, Entrance Foyer, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Induction Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

Security24 Hour Security, Fire Alarm, Fire Sprinkler System, Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesCommunity