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Active

Active·41 days on market

77 Windmill Palm Way

Palm Coast, FL 32164

$412,164$184/sqftEst. $2,119/moMLS# 2156013
4
Beds
3
Baths
2,246
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

Palm Coast

This Stonehurst stunning home boasts 4 bedrooms and 3 baths, offering both space and style. The spacious kitchen is a chef's dream, with an optional gourmet upgrade and an open design that overlooks the dining area, perfect for family meals and entertaining. The inviting living room opens to a charming lanai, bringing in natural light and providing a peaceful space for relaxation. The primary bedroom is a luxurious retreat, featuring not one, but two walk-in closets, along with a large primary bath for ultimate comfort. With thoughtful details throughout, this home provides the ideal balance of elegance and functionality for modern living. **Photos are representative of the Stonehurst floor plan.

Cost to own

Mortgage calculator

$412,164
$82,433
Loan Term
Monthly Payment
$2,119
Principal & Interest: $2,119
Insurance (est.): $275
Estimated Total Monthly
$2,394
*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$2,119
HOAbilled annually$33
Estimated total, before insurance$2,152/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,053/yr · $171/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): $2,053/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.

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 18, 2026Listed$412,164

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

Features

Price$412,164
Price / Sq Ft$184
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,246
Total Structure Area2,859 sq ft
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorth

School Information

ElementaryBunnell
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address77 Windmill Palm Way, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionSeminole Trace
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number2912312965000001910
ZoningResidential

Amenities

AmenitiesPool, Dog Park, Jogging Path, Pickleball
UtilitiesCable Connected, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesBreakfast Bar, Kitchen Island, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionCleared, Sprinklers In Front, Sprinklers In Rear, Zero Lot Line
RoofShingle
ConstructionComposition Siding, Fiber Cement, Frame, Stucco, Wood Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJuly 18, 2026
Days on Market42
HOA Fees$393 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$2,053.13
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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