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Active

Active·46 days on market

61 Zinnia Trail

Palm Coast, FL 32164

$369,000$213/sqftEst. $1,897/moMLS# 2155396

Beds

Baths

1,736

Sq Ft

2014

Built

Garage

Pool

About this home

Palm Coast

WHY SETTLE FOR ORDINARY WHEN THE UPGRADES ARE ALREADY DONE? Welcome to 61 Zinnia Trail, a move-in-ready 4-bedroom, 2-bath Palm Coast home offering the space, updates, and energy-saving features today's buyers are searching for! One of the biggest highlights? FULLY PAID-OFF SOLAR PANELS giving the new owner the opportunity to enjoy the benefits of solar without taking over a solar loan or lease! Inside, you'll find a bright and functional floor plan with quartz countertops, a stylish kitchen backsplash, stainless steel appliances, and tile flooring throughout the main living areas. The spacious primary suite includes a beautifully tiled walk-in shower, granite countertops, and an Extra Large Walk-In Closet. With 3 additional bedrooms you'll have flexibility for guests, a home office, or growing household needs. Step outside and you'll quickly see why this home stands apart! Enjoy Florida living from the spacious SCREENED LANAI overlooking a FULLY FENCED BACKYARD and brick paver area

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,897

Principal & Interest: $1,897

Insurance (est.): $246

Estimated Total Monthly

$2,143

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,897

Estimated total, before insurance$1,897/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,698/yr · $391/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): $4,698/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 2014)

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: ~1,689 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 15, 2026Listed$369,000

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

Features

Price$369,000

Price / Sq Ft$213

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,736

Total Structure Area2,320 sq ft

Acres0.23 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address61 Zinnia Trail, Palm Coast, FL 32164

Area603-Flagler County-South Central

SubdivisionSeminole Woods

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Lot Size10,018.8 sq ft

Parcel Number0711317063002900160

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Open Floorplan, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Instant Hot Water, Microwave, Refrigerator, Solar Hot Water

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

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