Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 56
Active

$369,9904 bd · 3 ba · 2,407 sq ft

Active·33 days on market

1324 Ribbon Place

Palm Coast, FL 32164

$369,990$154/sqftEst. $2,017/mo mortgageMLS# 2168250
4
Beds
3
Baths
2,407
Sq Ft
2026
Built
3
Garage
No
Pool
FEMA Zone XHOA $15/mo8,276 sqft lotTownhouse2 storiesNew 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

QUICK MOVE-IN! The charming Santa Rosa II plan in Seminole Palms boasts a smartly designed layout with plenty of entertaining and private living space. At the heart of the home, an open-concept design includes a spacious great room that flows into a casual dining area—with access to a patio—and a well-appointed kitchen with a center island and large walk-in pantry. Additional main-floor highlights include a convenient valet entry off the garage, a generous secondary bedroom with a walk-in closet, and a full hall bath. Upstairs, a versatile loft provides access to two secondary bedrooms—each with a walk-in closet—that flank a full bath. Completing the upstairs, a lavish owner's suite features an attached bath and an expansive walk-in closet. As a part of a planned community, Seminole Palms residents will enjoy on-site, resort-style amenities, including a playground, dog park, ponds, and walking trails, along with a state-of-the-art center with a fitness room, community space, and a pavi

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$2,017
HOAbilled annually$15
Estimated total, before insurance$2,033/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,053/yr · $254/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

$369,990
$73,998
Loan Term
Monthly Payment
$2,017
Principal & Interest: $2,017
Insurance (est.): $247
Estimated Total Monthly
$2,264
*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 2026)

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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,053/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

  • Nov 6, 2026Price change$369,990+$10,000
  • Nov 4, 2026Price change$359,990−$5,000
  • Oct 7, 2026Listed$364,990

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 $155/sq ft; this home is listed at $154/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
30 Big Pine Drive, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$323,885$1524/2.52,1251410.4
12 Big Pine Drive, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$329,990$1554/2.52,125791.4
14 Big Pine Drive, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$334,404$1574/2.52,12501.4
32 Big Pine Drive, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INCMay 2026$319,168$1504/2.52,12501.4
22 Big Pine Drive, Palm Coast, FL 32164Listed by OLYMPUS EXECUTIVE REALTY, INCFeb 2026$298,114$1583/31,88501.4

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$369,990
Price / Sq Ft$154
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,407
Acres0.19 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

ElementaryBunnell
MiddleBuddy Taylor

Community Information

Address1324 Ribbon Place, Palm Coast, FL 32164
Area603-Flagler County-South Central
SubdivisionSeminole Palms
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size8,276.4 sq ft
Parcel Number2112315560000000410

Amenities

AmenitiesDog Park, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedOctober 7, 2026
Days on Market33
HOA Fees$185 / Annually
HOA FrequencyAnnually
HOA NameCommunity Assoc & Lifestyle Mgt/Kayla Rinker
Tax Amount$3,053.03
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CENTURY COMMUNITIES OF FLORIDA

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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