Active·22 days on market
6645 N Ocean Shore Boulevard 3
Palm Coast, FL 32137
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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
Under Construction. Coquina Beach Villas is an ultra-exclusive enclave of 13 brand-new, five-level residences along the Atlantic shoreline. This distinctive south-facing, freestanding villa is entirely detached from neighboring stacks, providing additional windows, abundant natural light, and maximum privacy. Bordering Washington Oaks Gardens State Park, this masterfully designed residence features a private elevator servicing all five floors: • Level 1: 2-car garage with storage and private entrance • Level 2: Main living domain with dramatic 20-ft ceilings, chef's kitchen (jumbo island, double ovens, gas range), and private pool terrace with summer kitchen & fireplace • Level 3: 2 guest suites, gallery, and balconies • Level 4: Full-floor primary suite sanctuary with a private balcony • Level 5: Expansive 1,600+ sq ft rooftop terrace Enjoy elevated coastal living with preserved views and rare opportunities to personalize custom finishes for a limited time. Call today for a tour!
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 VE — coastal high-hazard area
Flood insurance is required by lenders, at coastal (wave-action) rates.
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: Other — year not disclosed (home built 2027)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,667 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 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 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 5 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 4 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 2 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
River to Sea Preserve – Main Park Paddlecraft Access (Long Portage)about 2 mi · Matanzas River
Closest grocery store
Aldiabout 12 mi · 181 Blackford Way, St. Augustine
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
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:31 AM, sunset 6:47 PM.
- A pool back here is the warmest in town and glitters in the evening.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $41,415/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 30, 2026Listed$3,350,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COASTAL GATEWAY REAL ESTATE GROUP
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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