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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

$399,9003 bd · 2 ba · 1,923 sq ft

Active·35 days on market

3 Tucahoe Way

Palm Coast, FL 32164

$399,900$208/sqftEst. $2,180/mo mortgageMLS# 2166537
↓ $20,000 below original list
3
Beds
2
Baths
1,923
Sq Ft
1995
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $115/mo14,375 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

NEW ROOF! Imagine coming home to a place where the backyard feels like your own private retreat. Tucked into the Hampton neighborhood of the Pine Lakes community in Palm Coast, this inviting 3 bedroom, 2 bath home offers 1,923 square feet of comfortable living space with the kind of indoor outdoor flow that makes everyday life feel a little more like vacation. The screened lanai and sparkling saltwater pool are the heart of the home, with sliding doors opening directly to the outdoor space from the living room, kitchen and dining area, and primary bedroom. Whether you're enjoying a quiet morning coffee, cooling off in the pool, or gathering with friends for an evening outside, this is a backyard you'll actually want to use. Inside, the living room welcomes you with a cozy fireplace and an easy connection to the pool area. The kitchen and dining space create a natural gathering spot, while the spacious primary suite offers a comfortable

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$2,180
HOAbilled monthly$115
Estimated total, before insurance$2,295/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,299/yr · $192/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

$399,900
$79,980
Loan Term
Monthly Payment
$2,180
Principal & Interest: $2,180
Insurance (est.): $267
Estimated Total Monthly
$2,447
*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 1995)

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

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

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

Solar potential: ~1,641 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 October 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

South-facing backyard — the year-round light lot

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

  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,299/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

  • Oct 20, 2026Price change$399,900−$10,000
  • Oct 12, 2026Price change$409,900−$10,000
  • Oct 6, 2026Active$419,900
  • Sep 23, 2026Listed$419,900

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 $170/sq ft; this home is listed at $208/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
23 Westfield Lane, Palm Coast, FL 32164Listed by HERRON REAL ESTATE LLCSep 2026$270,000$1583/21,7132890.3
7 Winterberry Place, Palm Coast, FL 32164Listed by SELECT REALTY LLCOct 2026$355,000$1483/22,3931280.4
3 Walla Place, Palm Coast, FL 32164Listed by LPT REALTY LLCSep 2026$325,000$1463/22,224820.5
24 Westfalls Lane, Palm Coast, FL 32164Listed by LANTERN REALTY, LLC.Sep 2026$299,500$1993/21,504710.5
11 Parkway Drive, Palm Coast, FL 32164Listed by NON MLS (realMLS)Sep 2026$360,000$1703/22,11700.7
3 Westrobin Place, Palm Coast, FL 32164Listed by CENTURY 21 INTEGRAOct 2026$368,000$2113/21,748490.8

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$399,900
Price / Sq Ft$208
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,923
Total Structure Area2,711 sq ft
Acres0.33 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water, Screen Enclosure
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryWadsworth
MiddleBuddy Taylor

Community Information

Address3 Tucahoe Way, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionHampton
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size14,374.8 sq ft
Parcel Number2411303020000000250
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 6, 2026
Days on Market35
HOA Fees$115.25 / Monthly
HOA FrequencyMonthly
HOA NamePine Lakes HOA c/o May Mgmt
Tax Amount$2,298.63
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM 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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