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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

Active·12 days on market

33 Enclave Avenue

Palm Coast, FL 32164

$382,268Est. $2,117/moMLS# 2166881
Open house Sun, Oct 11 · 12:00 pm–6:00 pm
4
Beds
3
Baths
0
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $15/mo6,098 sqft lotSingle Family Residence1 storyNew construction

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

Explore this must-see Slate model home! Included features: an inviting covered entry; a well-appointed kitchen offering a walk-in pantry, a center island and an adjacent dining area; an expansive great room; a beautiful primary suite showcasing an immense walk-in closet and a private bath; a laundry and a covered patio.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,117
HOAbilled annually$15
Estimated total, before insurance$2,133/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,573/yr · $214/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

$382,268
$76,454
Loan Term
Monthly Payment
$2,117
Principal & Interest: $2,117
Insurance (est.): $255
Estimated Total Monthly
$2,372
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Solar potential: ~1,534 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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): $2,573/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$382,268

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.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
214 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$345,997$1674/32,0702430.1
210 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCAug 2026$327,997$1814/31,810780.1
202 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCJul 2026$336,997$1624/32,0781940.1
188 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$349,997$1694/32,0702550.2
201 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCJul 2026$368,887$1784/32,0781830.2
190 Enclave Avenue, Palm Coast, FL 32164Listed by AXEN REALTY LLCJul 2026$339,997$1644/32,0702580.2

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

Price$382,268
Bedrooms4
Bathrooms3.00
Full Baths3
Total Structure Area2,070 sq ft
Acres0.14 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNortheast

Community Information

Address33 Enclave Avenue, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionSeminole Palms
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,098.4 sq ft
Parcel Number2012311922000000010

Amenities

AmenitiesPool, Playground
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingElectric
FlooringVinyl
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
RoofShingle
ConstructionOther, Block, Composition Siding, Frame, Stone

Additional Information

Date ListedSeptember 29, 2026
Days on Market13
HOA Fees$185 / Annually
HOA FrequencyAnnually
HOA NameCommunity Associates and Lifestyles Management, LL
Tax Amount$2,573.1
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: AXEN REALTY 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.

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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

Open Houses

10/10/2026

11:00 am - 5:00 pm

10/11/2026

12:00 pm - 6:00 pm