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

1 / 21

Active

Active·27 days on market

23 Ellaville Drive

Palm Coast, FL 32137

$484,990$239/sqftEst. $2,496/moMLS# 2156122

Beds

Baths

2,029

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

The CHARLOTTE model at Reverie offers an elegant balance of comfort and functionality. This spacious home welcomes you with two bedrooms and a dedicated study, perfect for those who work from home or need a quiet retreat. The two full bathrooms ensure convenience, while the two-car garage provides ample space for vehicles and storage. At the heart of this home lies an open-concept kitchen that truly stands out with its premium features. The extended Colada White cabinetry creates a bright, airy atmosphere, complemented by sophisticated quartz countertops. A generous walk-in pantry offers abundant storage, while the LVT and tile flooring throughout adds both style and practicality. The Reverie community itself has been thoughtfully crafted for an active, engaging lifestyle. As you enter through the secure gated entrance, you'll discover a world of amenities designed for both recreation and relaxation.

Cost to own

Mortgage calculator

Home Price

$484,990

Down Payment: 20%

$96,998

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,496

Principal & Interest: $2,496

Insurance (est.): $323

Estimated Total Monthly

$2,819

*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$2,496

HOAbilled monthly$217

Estimated total, before insurance$2,713/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,630/yr · $302/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): $3,630/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 A — 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.

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.

Solar potential: ~1,764 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 19, 2026Listed$484,990

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

Features

Price$484,990

Price / Sq Ft$239

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage2,029

Total Structure Area2,726 sq ft

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

New ConstructionYes

Direction FacesSouth

School Information

HighMatanzas

Community Information

Address23 Ellaville Drive, Palm Coast, FL 32137

Area602-Flagler County-NW

SubdivisionReverie At Palm Coast

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size7,840.8 sq ft

Lot Dimensions50x120

Parcel Number0411305160000001450

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Pickleball, Shuffleboard Court

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Gas Oven, Microwave

HeatingCentral

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)