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216 Misty Harbor Trace

Palm Coast, FL 32137

$339,440$287/sqftEst. $1,754/moMLS# 2164187

Beds

Baths

1,181

Sq Ft

2026

Built

Garage

Pool

About this home

Palm Coast

Brand New by award winning Dream Finders Homes...Welcome to 216 Misty Harbor Trace , located in a desirable gated community The Hammock at Palm Harbor. Nestled near state parks and nature preserve, the Mangrove floorplan offers the perfect blend of modern comfort, flexibility, and the tranquil outdoors. The builder thoughtfully designed each aspect of this floorplan with a spacious first-floor primary suite, providing convenience and privacy for everyday living. The open-concept layout is ideal for entertaining, with generous living spaces, abundant natural light, and a seamless flow throughout the home. Whether you're looking for a full-time residence, vacation getaway, or investment opportunity, this property offers exceptional versatility with no short-term rental restrictions. Residents enjoy access to fantastic community amenities including pool, hot tub and clubhouse perfect for social gatherings and leisure activities. Conveniently located near shopping, dining, golf courses

Cost to own

Mortgage calculator

Home Price

$339,440

Down Payment: 20%

$67,888

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,754

Principal & Interest: $1,754

Insurance (est.): $226

Estimated Total Monthly

$1,980

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,754

HOAbilled monthly$337

Estimated total, before insurance$2,091/mo

Seller’s 2026 tax billper the MLS — includes any CDD / assessments$1,475/yr · $123/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).

Cost to own

Taxes & assessment

2026 property taxes (current owner): $1,475/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.

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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,579 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.

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.

History