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Active·2 days on market

18 Lewiston Court

Palm Coast, FL 32137

$550,000$184/sqftEst. $2,804/moMLS# 2156694

Beds

Baths

2,994

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Palm Coast

Some homes simply give you more room to live - 18 Lewiston Court is one of them. With five bedrooms, three full bathrooms, and a floor plan that makes everyday life feel effortless, this Palm Coast home offers the flexibility today's buyers are looking for without sacrificing warmth or comfort. Sunlight pours through the windows, giving the living spaces an open, welcoming feel from morning until evening. Out back, the screened pool and patio become a natural extension of the home. It's the kind of space where weekends are spent grilling with friends, kids can swim while dinner is cooking, and the whole family can enjoy quiet private evenings. The split-bedroom layout gives everyone a place to retreat, while the spacious primary suite offers room to truly unwind. The ensuite bathroom provides generous storage, plenty of counter space, and the kind of functionality you'll appreciate every single day.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,804

Principal & Interest: $2,804

Insurance (est.): $367

Estimated Total Monthly

$3,171

*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$2,804

Estimated total, before insurance$2,804/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,807/yr · $401/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): $4,807/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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2006)

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: ~1,756 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