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Sold

Sold·Closed Oct 5, 2026·43 days on market

8 Old Oak Drive N

Palm Coast, FL 32137

$1,130,000sold priceListed at $1,195,000 · 94.6% of asking$383/sqftMLS# 2156781
4
Beds
2
Baths
2,947
Sq Ft
2010
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $170/mo0.48 acresWaterfrontSingle Family Residence1 story

About this home

Palm Coast

Luxury Waterfront Estate in The Sanctuary Welcome to your boater's paradise in Palm Coast's exclusive gated Sanctuary community. This 1-story Mediterranean estate features 2,947 sq ft, 4 bedrooms (1 configured as an office), 2 baths, and 12-ft tray ceilings with a sun-drenched open floor plan. The gourmet kitchen offers 42'' solid wood cabinets and granite counters, while the primary suite includes a spa-like bath with direct lanai access. Boater's & Outdoor Haven Deep-Water Canal: 100' frontage with direct, no-bridge access to the ICW (~5.5' draft). Docking: 55' dock (accommodates up to a 60' vessel) plus a covered boathouse with a 10,000 lb lift. Resort Living: Screened pool, heated spa, summer kitchen, and secondary waterfront patio. Recent Infrastructure Updates 2023: 3-Zone HVAC system & new pool pump 2025: 250-gallon propane tank & pool/spa heater 2026: Professionally sealed exterior pavers Located minutes from Atlantic beaches, golf, and I-95. Schedule your private tour.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$6,259
HOAbilled annually$170
Estimated total, before insurance$6,429/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,828/yr · $986/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,130,000
$226,000
Loan Term
Monthly Payment
$6,259
Principal & Interest: $6,259
Insurance (est.): $753
Estimated Total Monthly
$7,012
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 2010)

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: ~1,748 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $11,828/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.

History

Price & status history

  • Oct 13, 2026Closed$1,195,000
  • Sep 9, 2026Pending$1,195,000
  • Aug 5, 2026Active$1,195,000
  • Jul 29, 2026Pending$1,195,000
  • Jul 23, 2026Listed$1,195,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $311/sq ft; this home is listed at $405/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERYJul 2026$525,000$2023/3.52,594100.3
144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLCJan 2026$990,000$3943/2.52,5121040.8
32 Covington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLCMar 2026$430,000$1794/32,4031720.9
10 Collinson Court, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPJun 2026$725,000$3114/2.52,3301241
24 Cinnamon Beach Place, Palm Coast, FL 32137Listed by REALTY EXCHANGE OF FLORIDAJul 2026$1,900,000$5375/53,53641.1
26 Fairchild Lane, Palm Coast, FL 32137Listed by SELECT REALTY LLCOct 2026$510,000$2044/22,5051621.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,195,000
Price / Sq Ft$405
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,947
Acres0.48 acres
Year Built2010
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontYes

Community Information

Address8 Old Oak Drive N, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionSanctuary Estates
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size20,908.8 sq ft
Parcel Number2910315540000000980

Amenities

UtilitiesSewer Connected, Water Connected
Water SourcePublic

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
Spa FeaturesIn Ground, Heated, Private

Additional Information

Date ListedAugust 5, 2026
Days on Market43
HOA Fees$2,034 / Annually
HOA FrequencyAnnually
Tax Amount$11,828.09
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP

Sold by: LIGHTHOUSE REALTY ASSOCIATES (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 5, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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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