Active·38 days on market
131 Sago Court
Palm Coast, FL 32164
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
This upgraded Adeline combines modern style, comfort, and convenience. Offers exceptional curb appeal from the moment you arrive. Inside, you'll find beautiful LVP flooring throughout the main living areas and bedrooms, designer Sonoma Maple Latte soft-close cabinetry, upgraded cabinet hardware, cabinet crown molding, and contemporary single-bowl kitchen sink. The spacious kitchen is enhanced with pendant lighting, SS appliances, and exterior-vented microwave ventilation. Enjoy Florida living year-round with the covered lanai, perfect for entertaining, grilling, or relaxing outdoors. Additional upgrades include whole-house gutters and upgraded front entry door with decorative glass. Enjoy convenient access to shopping, dining, beaches, parks, medical facilities, and major commuter routes, while still enjoying the peaceful lifestyle Palm Coast. WIFI-enabled garage Ecobee thermostat. STOCK PHOTOS, PRICES SUBJECT TO CHANGE. Closing costs assistance with use of Builder's affiliated lender.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
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 homeAs of September 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 on the northeast side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- 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.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
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): $818/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, 2026Listed$327,155
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 $187/sq ft; this home is listed at $211/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 1335 Ribbon Place Place, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Sep 2026 | $299,990 | $216 | 3/2 | 1,388 | 150 | 0.2 |
| 1357 Ribbon Place, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Aug 2026 | $329,990 | $174 | 3/2 | 1,895 | 177 | 0.2 |
| 215 Montgomery Court, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Mar 2026 | $339,990 | $185 | 3/2 | 1,835 | 343 | 0.2 |
| 234 Montgomery Court, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Feb 2026 | $342,500 | $187 | 3/2 | 1,835 | 314 | 0.2 |
| 223 Montgomery Court, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Jan 2026 | $309,990 | $202 | 4/2 | 1,533 | 292 | 0.2 |
| 212 Montgomery Court, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDA | Dec 2025 | $324,990 | $177 | 3/2 | 1,835 | 414 | 0.2 |
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: MALTBIE REALTY GROUP
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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