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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$400,4004 bd · 3 ba · 2,271 sq ft

Active·103 days on market

166 Springwood Drive

Palm Coast, FL 32137

$400,400$176/sqftEst. $2,183/mo mortgageMLS# 2157578
↓ $29,500 below original list
4
Beds
3
Baths
2,271
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $21/moWaterfrontSingle Family Residence1 storyNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

READY NOW! The Destin is a beautifully crafted single-story home offering 2,271 square feet of well-planned living space. This exceptional floor plan features 4 bedrooms, 3 bathrooms, and a highly desirable 3-car garage making it an ideal choice for families, professionals, or anyone seeking both style and flexibility in their next home. The heart of this one-story home is the expansive open-concept living area, where the kitchen, dining, and family room flow seamlessly together. This layout is perfect for entertaining guests, hosting family gatherings, or simply enjoying everyday life with ease. The kitchen is a true centerpiece, designed to be both functional and stylish. Featuring a large center island, ample counter space, and abundant cabinetry, it provides everything you need for meal preparation and storage. The island doubles as a casual dining space or gathering spot, making it the perfect place for conversations.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,183
HOAbilled annually$21
Estimated total, before insurance$2,204/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$400,400
$80,080
Loan Term
Monthly Payment
$2,183
Principal & Interest: $2,183
Insurance (est.): $267
Estimated Total Monthly
$2,450
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 — 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

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

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:45 AM, sunset 5:33 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

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.

History

Price & status history

  • Nov 3, 2026Price change$400,400+$1,000
  • Oct 20, 2026Price change$399,400−$18,000
  • Oct 8, 2026Price change$417,400−$5,000
  • Sep 29, 2026Price change$422,400−$2,500
  • Aug 25, 2026Price change$424,900−$5,000
  • Jul 29, 2026Listed$429,900

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 $182/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Springwood Drive, Palm Coast, FL 32137Listed by D R HORTON REALTY INCOct 2026$400,000$1774/2.52,256710
160 Springwood Drive, Palm Coast, FL 32137Listed by D R HORTON REALTY INCSep 2026$477,150$1754/32,727130
158 Springwood Drive, Palm Coast, FL 32137Listed by D R HORTON REALTY INCSep 2026$421,900$2174/31,941380
144 Springwood Drive, Palm Coast, FL 32137Listed by D R HORTON REALTY INCOct 2026$444,900$1854/32,400620.1
54 Sawdust Lane, Palm Coast, FL 32137Listed by D R HORTON REALTY INCAug 2026$327,000$1764/21,8621640.1
18 Sawdust Lane, Palm Coast, FL 32137Listed by D R HORTON REALTY INCNov 2026$369,990$1825/32,0301570.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$400,400
Price / Sq Ft$176
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,271
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesSouth

School Information

ElementaryBelle Terre
MiddleIndian Trails

Community Information

Address166 Springwood Drive, Palm Coast, FL 32137
Area602-Flagler County-NW
SubdivisionSawmill Branch
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Parcel Number2110305416000004400

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Ice Maker, Microwave
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Patio
RoofShingle
ConstructionOther, Fiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJuly 29, 2026
Days on Market103
HOA Fees$249 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: D R HORTON REALTY INC

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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