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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Sea Colony, Palm Coast.

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Active

$550,0003 bd · 2.5 ba · 1,986 sq ft

Active·52 days on market·Sea Colony

2 Bristol Drive

Palm Coast, FL 32137

$550,000$277/sqftEst. $2,999/mo mortgageMLS# 2163526
3
Beds
2.5
Baths
1,986
Sq Ft
1988
Built
2
Garage
No
Pool

2 more homes for sale in Sea Colony →Search Sea Colony on the map

FEMA Zone AEHOA $250/mo6,534 sqft lotSingle Family Residence2 stories

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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

Sea Colony

Experience coastal living in Sea Colony, a peaceful community with 24-hour gated security and private beach access. This 3 bedroom home with soaring ceilings and abundant natural light creates a bright, open feel. Spacious eat in kitchen features white cabinetry, island and ample storage. The first-floor primary suite boasts a remodeled bath with walk-in tub, separate shower, double vanity, wainscoting and luxury vinyl flooring. Upstairs are two additional bedrooms, a full bath and versatile loft. Step onto the second-floor deck and enjoy stunning views of Sea Colony's largest lake. Private screened patio and mature landscaping offer another inviting place to relax. Community amenities include a clubhouse, pool, shuffleboard and basketball. Minutes from Washington Oaks Gardens State Park, the Intracoastal Waterway and marina, with golf, dining and shopping nearby. *New roof installed prior to closing. *Assumable VA loan available! Qualified buyers may assume $202k VA loan @ 2.78%

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,999
HOAbilled monthly$250
Estimated total, before insurance$3,249/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,691/yr · $308/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

$550,000
$110,000
Loan Term
Monthly Payment
$2,999
Principal & Interest: $2,999
Insurance (est.): $367
Estimated Total Monthly
$3,365
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 1988)

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

Sewer · FLA011599 - Matanzas Shores WWTF · Public water (record)

County records show this parcel on central sewer served by FLA011599 - Matanzas Shores WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,796 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.

As 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,691/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 18, 2026Active$550,000
  • Sep 3, 2026Listed$550,000

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 $313/sq ft; this home is listed at $277/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
32 Andover Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPAug 2026$495,000$2703/2.51,830290.1
14 Dogwood Terrace, Palm Coast, FL 32137Listed by PARKSIDE REALTY GROUPMar 2026$520,000$2843/21,83410.3
9 Flagler Drive, Palm Coast, FL 32137Listed by EXP REALTY LLCSep 2025$550,000$3133/31,7604430.3
7 Rollins Dunes Drive, Palm Coast, FL 32137Listed by GAILEY ENTERPRISES LLCAug 2025$735,000$3653/22,013650.3
144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLCJan 2026$990,000$3943/2.52,5121041.4
6 San Filipe Way, Palm Coast, FL 32137Listed by DOGWOOD REALTYAug 2025$482,000$2414/22,0001771.4

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$550,000
Price / Sq Ft$277
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,986
Acres0.15 acres
Year Built1988
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address2 Bristol Drive, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionSea Colony
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size6,534 sq ft
Parcel Number2010315365000101270
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Gated, Shuffleboard Court, Spa/Hot Tub
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringLaminate, Tile
# of Stories2
LevelsTwo
LaundryIn Garage
Security24 Hour Security, Gated with Guard, Smoke Detector(s)
Spa FeaturesCommunity

Exterior

Exterior FeaturesBalcony
Lot DescriptionCorner Lot, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Screened
FencingVinyl
RoofShingle
ConstructionVinyl Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 18, 2026
Days on Market52
HOA Fees$250 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesSecurity
Tax Amount$3,691.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD 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.

The neighborhood

About Sea Colony

Sea Colony is a neighborhood in St. Augustine, FL (Flagler County), ZIP 32137.

View all Sea Colony homes for sale →
Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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