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Active Under Contract

Active Under Contract·42 days on market

16 Buttonwood Lane

Palm Coast, FL 32137

$399,500$152/sqftEst. $2,133/moMLS# 2160232
↓ $50,500 below original list
6
Beds
4
Baths
2,625
Sq Ft
2004
Built
1
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotDuplex1 story

About this home

Palm Coast

Excellent investment opportunity offering flexibility, income potential, and multiple living options! NEW ROOF, NEW AC !! This duplex features two separate units, each with its own private entrance and living space, making it ideal for investors, owner-occupants, or multi-generational living. One unit is currently rented month-to-month, giving the new owner the flexibility to continue the existing rental arrangement or explore other options. Live in one side while generating income from the other, rent both units for added income potential, or create separate spaces for extended family. With the opportunity to build equity while generating rental income, this property offers a versatile addition to any investment portfolio. Conveniently located near shopping, dining, schools, and major roadways.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,133
Estimated total, before insurance$2,133/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,480/yr · $540/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

$399,500
$79,900
Loan Term
Monthly Payment
$2,133
Principal & Interest: $2,133
Insurance (est.): $266
Estimated Total Monthly
$2,399
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Hurricane evacuation zone HUR

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

Roof: Shingle — year not disclosed (home built 2004)

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: ~1,730 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,480/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

  • Sep 2, 2026Active Under Contract$399,500
  • Aug 30, 2026Price change$399,500−$50,500
  • Aug 14, 2026Listed$450,000

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

Features

Price$399,500
Price / Sq Ft$152
Bedrooms6
Bathrooms4.00
Full Baths4
Square Footage2,625
Acres0.23 acres
Year Built2004
TypeResidential Income
Sub-TypeDuplex
StatusActive Under Contract
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address16 Buttonwood Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size10,018.8 sq ft
Parcel Number0711317035007500290

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Oven, Microwave
HeatingElectric
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne

Exterior

Lot DescriptionOther
RoofShingle
Road SurfacePaved

Additional Information

Date ListedAugust 14, 2026
Days on Market27
Tax Amount$6,480.27
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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