Active·13 days on market
38 E Diamond Drive
Palm Coast, FL 32164
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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
Updated cinder block POOL home in Palm Coast with no HOA. Features new luxury vinyl plank flooring and fresh interior paint throughout. The open-concept kitchen includes a breakfast bar overlooking the living area. The primary bedroom offers a large walk-in closet, ceiling fan, and private access to the screened lanai and pool. Bathrooms feature high ceilings and skylights. The screened pool is approximately 7 feet deep, and the large pool patio provides space for a BBQ and outdoor seating. The property also includes a spacious, fully fenced backyard with a producing lemon tree. Roof replaced in 2022, water heater in 2019, HVAC in 2016, and newer vinyl fence. No HOA, NO CDDs and NO rental restrictions! LOCATION! LOCATION! Enjoy exceptional convenience with Publix, Target, TJ Maxx, Palm Coast Landing, restaurants, shopping, and Epic Theatres just minutes away. Seminole Woods Park, schools, the library, walking and biking trails, pharmacies, and medical facilities are also nearby.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,778 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 homeAs 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): $4,506/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 28, 2026Listed$369,000
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 $179/sq ft; this home is listed at $258/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 71 Ryan Drive, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Sep 2026 | $313,000 | $168 | 4/2 | 1,862 | 23 | 1.2 |
| 11 Flagstick Lane, Bunnell, FL 32110Listed by D R HORTON REALTY INC | Jul 2026 | $291,490 | $200 | 3/2 | 1,459 | 108 | 1.2 |
| 16 Rybark Lane, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Sep 2026 | $334,000 | $179 | 4/2 | 1,862 | 144 | 1.4 |
| 25 Ryapple Lane, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Sep 2026 | $319,000 | $171 | 4/2 | 1,862 | 174 | 1.5 |
| 25 Rymshaw Drive, Palm Coast, FL 32164Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Aug 2026 | $210,000 | $137 | 3/2 | 1,531 | 2 | 1.5 |
| 9 Ryecarr Place, Palm Coast, FL 32164Listed by REAL BROKER LLC | Jul 2026 | $315,000 | $215 | 3/2 | 1,463 | 114 | 1.5 |
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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