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Active

Active·47 days on market

81 Wandering Creek Way

Palm Coast, FL 32164

$330,990$180/sqftEst. $1,833/moMLS# 2161622

↓ $8,000 below original list

Beds

Baths

1,842

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $155/moSingle Family Residence1 storyNew construction

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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

Brand new, energy-efficient home available by Nov 2026! Looking for a new home in Palm Coast, FL? The Davenport floorplan offers a spacious layout with four bedrooms and three bathrooms. Enjoy a chef inspired kitchen with a large work island that overlooks the dining, great room and covered lanai. This community offers a variety of one-story and two-story, single-family homes with open-concept living spaces. Located just 15 minutes from Flagler Beach, residents can live the ideal coastal lifestyle while enjoying convenient access to everyday necessities at the Palm Coast Town Center. Community amenities include a cabana and resort-style pool with no CDD fees. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,833

HOAbilled monthly$155

Estimated total, before insurance$1,988/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

Home Price

$330,990

Down Payment: 20%

$66,198

Interest Rate: 7.40%

Loan Term

Monthly Payment

$1,833

Principal & Interest: $1,833

Insurance (est.): $221

Estimated Total Monthly

$2,054

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,479 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

Sep 9, 2026Price change$330,990−$4,000
Sep 2, 2026Price change$334,990−$2,000
Aug 26, 2026Price change$336,990−$2,000
Aug 24, 2026Listed$338,990

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 $164/sq ft; this home is listed at $180/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
76 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Sep 2026	$359,990	$164	4/3	2,193	10	0
94 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Sep 2026	$309,990	$193	4/2	1,607	18	0.1
69 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Aug 2026	$354,990	$162	4/3	2,193	19	0.1
63 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Aug 2026	$336,990	$183	4/3	1,842	146	0.1
74 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Aug 2026	$358,990	$164	4/3	2,193	0	0.1
61 Wandering Creek Way, Palm Coast, FL 32164Listed by MERITAGE HOMES OF FLORIDA REALTY	Jul 2026	$360,990	$154	4/3	2,340	16	0.1

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

Price$330,990

Price / Sq Ft$180

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,842

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address81 Wandering Creek Way, Palm Coast, FL 32164

Area603-Flagler County-South Central

SubdivisionFlagler Village

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Parcel Number19-12-31-2676-00000-0590

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesOpen Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, ENERGY STAR Qualified Dishwasher, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

Additional Information

Date ListedAugust 24, 2026

Days on Market22

HOA Fees$155 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: MERITAGE HOMES OF FLORIDA REALTY

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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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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