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

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Pending

Pending·26 days on market

24 Pontiac Lane

Palm Coast, FL 32164

$500,000$179/sqftEst. $2,584/moMLS# 2160163

Beds

Baths

2,792

Sq Ft

2021

Built

Garage

Pool

About this home

Palm Coast

Exceptional Investment Opportunity - Built in 2021 Don't miss this rare opportunity to own a beautifully maintained, income-producing duplex built in 2021. Each spacious unit features 3 bedrooms, 2 bathrooms, and a private garage, offering the comfort and convenience today's tenants are seeking. Designed with modern living in mind, both residences boast open-concept floor plans, well-appointed kitchens, generous primary suites, and private patios perfect for relaxing or entertaining. Separate garages provide additional storage and parking, while the fully fenced backyard offers privacy and outdoor space for each unit to enjoy. Whether you're looking to expand your investment portfolio, generate strong rental income, or live in one unit while renting the other, this turnkey property checks all the boxes. With newer construction, low maintenance requirements, and high tenant appeal, opportunities like this don't come along often. Two units. Two garages. Fully fenced. Built in 2021.

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,584

Principal & Interest: $2,584

Insurance (est.): $333

Estimated Total Monthly

$2,917

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,584

Estimated total, before insurance$2,584/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,542/yr · $545/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): $6,542/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 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,694 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 August 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