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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·Listed today

108 Oriole Road

Palm Coast, FL 32164

$408,240$170/sqftEst. $2,099/moMLS# 2162554
4
Beds
2
Baths
2,401
Sq Ft
2026
Built
2
Garage
No
Pool

About this home

Palm Coast

Step into your next home and be greeted by a flex room and the stairs leading to the second floor. As you continue through the main level, you'll find the kitchen, dining area, and family room, with a back patio located just off the dining space. On the opposite side of the family room, there's a powder bath, coat closet, mudroom, and access to the two-car garage. Upstairs, a loft connects three additional bedrooms--one featuring a walk-in closet--and a shared full bath. A laundry room is conveniently located across from the third bedroom. On the opposite side of the loft, you'll find the primary bedroom, complete with a walk-in closet and private primary bath.

Cost to own

Mortgage calculator

$408,240
$81,648
Loan Term
Monthly Payment
$2,099
Principal & Interest: $2,099
Insurance (est.): $272
Estimated Total Monthly
$2,371
*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,099
HOAbilled monthly$98
Estimated total, before insurance$2,197/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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.

Ask about this home

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

  • Aug 29, 2026Listed$408,240

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

Features

Price$408,240
Price / Sq Ft$170
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,401
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

ElementaryRymfire
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address108 Oriole Road, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number32-11-31-5390-00000-1950

Amenities

AmenitiesPool, Park
UtilitiesCable Available, Electricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances, Construction, HVAC, Lighting, Thermostat, Windows
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet
# of Stories2
LevelsTwo
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt, Paved

Additional Information

Date ListedAugust 29, 2026
Days on Market0
HOA Fees$98 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: ASHTON WOODS FLORIDA REALTY LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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