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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

$369,0003 bd · 2 ba · 1,696 sq ft

Active·50 days on market

137 S Hummingbird Place

Palm Coast, FL 32164

$369,000$218/sqftEst. $2,012/mo mortgageMLS# 2164700
↓ $16,000 below original list
3
Beds
2
Baths
1,696
Sq Ft
2020
Built
2
Garage
No
Pool
FEMA Zone XHOA $110/mo6,534 sqft lotWaterfrontSingle 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

Seller to offer buyer's closing costs concessions with approved offer! Welcome home to this beautifully maintained 3-bed, 2-bath home offering approximately 1,700 sq. ft. of comfortable Florida living with a 2-car garage. The open-concept layout features high ceilings, a spacious kitchen with quartz countertops and stylish backsplash, plus smart-home features throughout. Step outside to an extended patio and expanded screened enclosure overlooking a peaceful pond and nature preserve--the perfect backdrop for morning coffee while watching deer, bunnies, cranes and other wildlife. Thoughtful upgrades include French drains, a water softener (currently owned) and solar panels that will be PAID OFF at closing, with the seller reporting an average electric bill of just $51/month! Washer and dryer are also included. Enjoy privacy, nature and energy-efficient living in a gated community with resort-style amenities. This is Florida living at its best! VA loan may be assumable at 5.99%.

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$2,012
HOAbilled quarterly$110
Estimated total, before insurance$2,122/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,293/yr · $274/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

$369,000
$73,800
Loan Term
Monthly Payment
$2,012
Principal & Interest: $2,012
Insurance (est.): $246
Estimated Total Monthly
$2,258
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,805 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): $3,293/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

  • Nov 9, 2026Price change$369,000−$999
  • Oct 19, 2026Price change$369,999−$5,001
  • Oct 10, 2026Price change$375,000−$5,000
  • Oct 5, 2026Price change$380,000−$5,000
  • Sep 20, 2026Active$385,000
  • Sep 14, 2026Listed$385,000

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 $207/sq ft; this home is listed at $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
310 Fishtail Place, Palm Coast, FL 32164Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$384,000$1963/2.51,962480.5
324 Fishtail Place, Palm Coast, FL 32164Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$392,300$2172/21,808210.6
305 Fishtail Place, Palm Coast, FL 32164Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Oct 2026$327,000$2072/21,5811520.7
288 Montgomery Court, Palm Coast, FL 32164Listed by MALTBIE REALTY GROUPSep 2026$349,990$1833/21,909990.7
1335 Ribbon Place Place, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDASep 2026$299,990$2163/21,3881500.8
1341 Ribbon Place, Palm Coast, FL 32164Listed by CENTURY COMMUNITIES OF FLORIDAOct 2026$299,990$1583/21,8951040.9

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$369,000
Price / Sq Ft$218
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,696
Acres0.15 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
ElementaryBunnell, reported on 9 other Grand Landings listings
MiddleBuddy Taylor, reported on 11 other Grand Landings listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address137 S Hummingbird Place, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionGrand Landings
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,534 sq ft
Parcel Number2012312961000000400

Amenities

AmenitiesPool, Dog Park, Gated, Playground
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener, Off Street
ViewPond, Trees/Woods
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingElectric
FlooringCarpet, Tile
# of Stories1
LaundryIn Unit
SecuritySecurity Gate

Exterior

Lot DescriptionWooded
Patio / PorchCovered, Front Porch, Patio, Rear Porch, Screened
FencingBack Yard, Privacy, Wrought Iron
RoofShingle
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 20, 2026
Days on Market50
HOA Fees$330 / Quarterly
HOA FrequencyQuarterly
Tax Amount$3,293.31
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines