Active·51 days on market
3 September Place
Palm Coast, FL 32164
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
Are you looking for a home with no HOA and no CDD, then this could be the home for you. Welcome to this stunning 4-bedroom, 2.5-bath home built in 2022, perfectly situated on a quiet cul-de-sac in Palm Coast. With over 2,200 sq. ft. of living space, this home blends modern design with everyday comfort. The open-concept layout features a spacious family room, dining area, and a beautifully appointed kitchen with granite countertops, upgraded cabinetry, and stainless-steel appliances. A flexible front room with French doors offers the perfect spot for a home office or formal dining. Additional highlights include a screened lanai overlooking a serene preserve, a 2-car garage, and an oversized lot offering privacy and room to enjoy Florida's outdoor lifestyle. Conveniently located near shopping, dining, parks, and just a short drive to the beach. Move-in ready, this home offers everything today's buyer is looking for!
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,635 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 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard and pool on the northeast side. Today at this address: sunrise 7:23 AM, sunset 6:59 PM.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
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): $4,764/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 22, 2026Price change$386,000−$3,990
- Aug 21, 2026Listed$389,990
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 $167/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 7 Smokehouse Place, Palm Coast, FL 32164Listed by WATSON REALTY CORP | Sep 2026 | $327,000 | $147 | 4/2 | 2,229 | 222 | 0.9 |
| 51 Sentinel Trail, Palm Coast, FL 32164Listed by NAVY TO NAVY HOMES LLC | Sep 2026 | $370,000 | $157 | 4/3 | 2,363 | 65 | 1.1 |
| 17 Sleigh Bell Place, Palm Coast, FL 32164Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $365,000 | $204 | 4/2 | 1,787 | 77 | 1.2 |
| 34 Seneca Path, Palm Coast, FL 32164Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2025 | $330,000 | $167 | 3/2 | 1,978 | 11 | 1.2 |
| 205 Heatherwood Court, Ormond Beach, FL 32174Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $610,000 | $244 | 4/2.5 | 2,503 | 71 | 2 |
| 85 Sloganeer Trail, Palm Coast, FL 32164Listed by ENDLESS SUMMER REALTY | Jul 2026 | $299,000 | $167 | 4/2 | 1,787 | 31 | 2 |
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: KELLER WILLIAMS ST JOHNS
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines