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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 Under Contract

$389,000Active Under Contract4 bd · 3 ba · 2,286 sq ft

Active Under Contract·63 days on market

5 Pine Bush Lane

Palm Coast, FL 32164

$389,000$170/sqftEst. $2,121/mo mortgageMLS# 2163793
↓ $10,000 below original list
4
Beds
3
Baths
2,286
Sq Ft
2024
Built
3
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Welcome to 5 Palm Bush Lane, a beautifully maintained 2024-built home in Palm Coast's desirable P Section. The Ellington 2 floor plan offers 4 bedrooms, 3 full baths, a 3-car garage, and an open layout designed for easy Florida living. A crisp white kitchen pairs beautifully with LVP flooring throughout, while oversized sliding glass doors fill the main living space with natural light and create a seamless connection to the backyard. The fully epoxied 3-car garage is spotless and offers plenty of room for vehicles, storage, or hobbies. Outside, enjoy a fully fenced .23-acre lot, covered patio, and a spacious backyard that's a true blank slate with plenty of room to add a pool. Clean, bright, and only two years young, this home is ready to enjoy without the wait of building new.

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$2,121
Estimated total, before insurance$2,121/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

$389,000
$77,800
Loan Term
Monthly Payment
$2,121
Principal & Interest: $2,121
Insurance (est.): $259
Estimated Total Monthly
$2,380
*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 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 2024)

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

Solar potential: ~1,624 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 6:45 AM, sunset 5:32 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

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.

History

Price & status history

  • Oct 15, 2026Active Under Contract$389,000
  • Sep 18, 2026Price change$389,000−$10,000
  • Sep 7, 2026Listed$399,000

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 $176/sq ft; this home is listed at $170/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7 Pickwood Place, Palm Coast, FL 32164Listed by D R HORTON REALTY INCOct 2026$329,440$1774/21,862600.5
39 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCOct 2026$363,997$1764/32,0705490.6
37 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$366,997$1774/32,0705130.6
25 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCOct 2026$443,997$1554/3.52,8612380.7
49 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$358,080$1734/32,0701120.7
32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$360,997$1744/32,0771000.7

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$389,000
Price / Sq Ft$170
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,286
Acres0.23 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

ElementaryWadsworth
MiddleBuddy Taylor

Community Information

Address5 Pine Bush Lane, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size10,018.8 sq ft
Parcel Number07-11-31-7026-00530-0030

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingFull, Privacy, Vinyl
RoofShingle
ConstructionStucco

Additional Information

Date ListedSeptember 7, 2026
Days on Market63
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK 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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