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Active·12 days on market

1326 Ribbon Place

Palm Coast, FL 32164

$289,990$209/sqftEst. $1,536/moMLS# 2163933
$30,000 below original list
3
Beds
2
Baths
1,388
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $15/moSingle Family Residence1 storyNew construction

About this home

Palm Coast

Enjoy well-designed, modern living with the Miramar plan. A porch entry and foyer lead to an impressive open kitchen with a center-island and a walk-in pantry, steps away from a dining area and an airy great room. You'll find the owner's suite adjacent, offering a walk-in closet and a private bath with dual vanities and a benched shower. Two additional bedrooms, a bath, and a laundry complete the plan. As a part of a planned community, Seminole Palms residents will enjoy on-site, resort-style amenities, including a playground, dog park, ponds, and walking trails, along with a state-of-the-art center with a fitness room, community space, and a pavilion.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,536
HOAbilled annually$15
Estimated total, before insurance$1,551/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,921/yr · $243/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

$289,990
$57,998
Loan Term
Monthly Payment
$1,536
Principal & Interest: $1,536
Insurance (est.): $193
Estimated Total Monthly
$1,729
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: 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

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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,921/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 17, 2026Price change$289,990$30,000
  • Sep 8, 2026Listed$319,990

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

Features

Price$289,990
Price / Sq Ft$209
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,388
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryBunnell
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address1326 Ribbon Place, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number2112315560000000420

Amenities

AmenitiesPool, Dog Park, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Gas Water Heater, Microwave
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedSeptember 8, 2026
Days on Market9
HOA Fees$185 / Annually
HOA FrequencyAnnually
HOA NameCommunity Assoc & Lifestyle Mgt/Kayla Rinker
Tax Amount$2,921
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CENTURY COMMUNITIES OF FLORIDA · Domenique.Scalia@centurycommunities.com

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.

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.

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20+ years · 500+ closings · NE Florida

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