Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·33 days on market

103 Woodside Drive

Palm Coast, FL 32136

$349,000$166/sqftEst. $1,796/moMLS# 2154968

Beds

Baths

2,104

Sq Ft

2004

Built

Garage

Pool

About this home

Palm Coast

Welcome to this 4-bedroom, 2 bathroom Pine Lakes home. Huge backyard space with tons of potential. 2-car garage. This home offers a comfortable split floor plan and low-maintenance finishes throughout. Enjoy laminate flooring in all main living areas and tile in the bathrooms and other wet spaces, making everyday cleanup quick and easy. The kitchen includes a refrigerator, electric range, dishwasher, and microwave, so you can settle in and start cooking right away. The split bedroom layout provides privacy, with the spacious primary suite set apart from the guest bedrooms. The primary suite features two large, separate walk-in closets, and the primary bath offers a garden jetted tub and a walk-in shower for added comfort. From the roomy living area, step out to a large covered lanai that overlooks an expansive backyard backing to trees, giving you a sense of space and nature. The roof and water heater were both replaced in 2021.

Cost to own

Mortgage calculator

Home Price

$349,000

Down Payment: 20%

$69,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,796

Principal & Interest: $1,796

Insurance (est.): $233

Estimated Total Monthly

$2,029

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,796

Estimated total, before insurance$1,796/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.

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: ~1,648 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