Sold·Closed Sep 15, 2026·33 days on market
5 Royale Lane
Palm Coast, FL 32164
About this home
Palm Coast
Welcome home to your private retreat in the highly sought-after gated community of Rivergate! Rarely does a home like this become available. Perfectly positioned with peaceful water views, this beautifully updated 3-bedroom, 2-bath home blends comfort, style, and carefree Florida living. The open floor plan features LVP flooring, beautiful countertops, the kitchen has custom cabinets with pull out drawers and new appliances. Brand new HVAC system just installed July 2026 make it truly move-in ready. Relax on the screened lanai while enjoying tranquil water views. Retractable garage door screen, accordion storm shutters and a transfer switch for a generator are special features that make this home unique. Just minutes from shopping, dining, golf, walking trails, and the beach, this exceptional home is ready to be yours. Schedule your private tour today! Some photos may be virtually staged
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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 2005)
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: ~1,792 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 14 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 9 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 7 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 7 mi · Atlantic ICW (Flagler County) Matanzas River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:32 AM, sunset 6:47 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,490/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 18, 2026Closed$345,000
- Aug 27, 2026Pending$345,000
- Jul 24, 2026Listed$345,000
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 $172/sq ft; this home is listed at $195/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 25 Ryapple Lane, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Sep 2026 | $319,000 | $171 | 4/2 | 1,862 | 174 | 0.6 |
| 71 Ryan Drive, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Sep 2026 | $313,000 | $168 | 4/2 | 1,862 | 23 | 0.6 |
| 33 Phoenix Lane, Palm Coast, FL 32164Listed by REAL ESTATE SERVICES OF PALM COAST | Sep 2026 | $338,000 | $172 | 4/2 | 1,960 | 143 | 0.6 |
| 47 Riverview Drive, Palm Coast, FL 32164Listed by REAL BROKER LLC | Sep 2026 | $389,900 | $182 | 4/2 | 2,148 | 5 | 0.8 |
| 43 White Feather Lane, Palm Coast, FL 32164Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Sep 2026 | $360,000 | $167 | 4/3 | 2,151 | 130 | 0.8 |
| 5 White Hall Drive, Palm Coast, FL 32164Listed by EXP REALTY LLC | Oct 2026 | $244,000 | $196 | 3/2 | 1,247 | 6 | 0.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ORCHARD BROKERAGE LLC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines