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Active

Active·34 days on market

296 S Riverwalk Drive

Palm Coast, FL 32137

$728,000$295/sqftEst. $3,712/moMLS# 2153514

Beds

Baths

2,465

Sq Ft

2021

Built

Garage

Pool

About this home

Palm Coast

Luxury meets privacy in this beautifully appointed home on a premium preserve homesite in gated Palm Coast Plantation. Backing to a peaceful wooded preserve with no rear neighbors, this home offers the perfect blend of elegance and tranquility. The open-concept design features soaring coffered ceilings, abundant natural light, and a stunning chef's kitchen overlooking the spacious great room. The oversized screened lanai offers the perfect place to relax, with plenty of room to add a custom pool. Community amenities include a clubhouse, pool, fitness center, tennis, pickleball, fishing pier, walking trails, and boat/RV storage. Highlights: • Premium preserve lot with ultimate privacy • Oversized quartz island • Double wall ovens & stainless appliances • 4th Bedroom has option to be a dedicated office/flex room • Spacious screened lanai • Room for a custom pool • Resort-style gated community • Minutes to beaches, golf, shopping & I-95

Cost to own

Mortgage calculator

Home Price

$728,000

Down Payment: 20%

$145,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,712

Principal & Interest: $3,712

Insurance (est.): $485

Estimated Total Monthly

$4,197

*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$3,712

HOAbilled quarterly$243

Estimated total, before insurance$3,955/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,732/yr · $644/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): $7,732/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,730 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

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

Jul 2, 2026Listed$728,000

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

Features

Price$728,000

Price / Sq Ft$295

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,465

Total Structure Area3,475 sq ft

Acres0.27 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOld Kings

MiddleIndian Trails

HighMatanzas

Community Information

Address296 S Riverwalk Drive, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionPalm Coast Plantation

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size11,761.2 sq ft

Parcel Number2711314894000000660

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, RV/Boat Storage, Security, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Range, Microwave, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

Security24 Hour Security, Gated with Guard, Security Gate