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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·19 days on market

101 Palm Harbor Parkway B223

Palm Coast, FL 32137

$220,000$176/sqftEst. $1,209/mo mortgageMLS# 2167956
2
Beds
2
Baths
1,250
Sq Ft
2005
Built
1
Garage
No
Pool
FEMA Zone XHOA $960/moCondominium1 story

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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

Beautiful unit in European Village offering exceptional privacy, abundant natural light, and an oversized balcony. This desirable floor plan is set away from the shops and restaurants, providing a peaceful setting while remaining just steps from the vibrant atmosphere and amenities of European Village. Sold fully furnished, this unit is ready for immediate enjoyment or rental use. The versatile layout features a separate bedroom, spacious living area, and full bath, making it ideal for a full-time residence, vacation getaway, or investment property. An assigned underground parking space is included for added convenience and value. Rarely available, this unit presents an excellent opportunity to own a sought-after property in European Village.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$1,209
HOAbilled monthly$960
Estimated total, before insurance$2,169/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$220,000
$44,000
Loan Term
Monthly Payment
$1,209
Principal & Interest: $1,209
Insurance (est.): $147
Estimated Total Monthly
$1,356
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2005)

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: ~1,722 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 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.

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.

History

Price & status history

  • Oct 5, 2026Listed$220,000

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 $284/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
101 Palm Harbor Parkway C233, Palm Coast, FL 32137Listed by REAL BROKER LLCNov 2025$165,000$1322/21,2502480
210 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$320,000$2713/21,18100.2
234 Misty Harbor, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCApr 2026$339,990$2883/21,181910.2
230 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCFeb 2026$335,000$2843/21,181430.2
221 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCDec 2025$313,720$2663/21,18180.2
223 Misty Harbor Trace, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INCNov 2025$339,990$2883/21,181170.2

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$220,000
Price / Sq Ft$176
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,250
Total Structure Area1,250 sq ft
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusActive
# of Garages1
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesEast

Community Information

Address101 Palm Harbor Parkway B223, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionEuropean Village
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Parcel Number3811311915000B02230

Amenities

UtilitiesCable Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsTwo

Exterior

RoofShingle
ConstructionBlock

Additional Information

Date ListedOctober 5, 2026
Days on Market0
HOA Fees$960 / Monthly
HOA FrequencyMonthly
HOA NameJoyce Connelly
HOA Fee IncludesCable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Trash
Listing TermsCash, Conventional, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: EAZ 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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