Active·6 days on market
21 Reverie Drive
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
The Needham floor plan showcases a thoughtfully designed layout with three spacious bedrooms and a dedicated study, ideal for a home office or library. The open-concept great room, kitchen, and dining area create a welcoming space perfect for entertaining and everyday living. A large three-car garage provides abundant room for vehicles and storage. The owner's suite features dual walk-in closets and a luxurious bath, while the additional bedrooms ensure ample space and privacy for family or guests. Located on a conservation lot.
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 A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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.
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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:26 AM, sunset 6:56 PM.
- 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.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing 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): $3,830/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
- Oct 8, 2026Listed$499,990
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 $209/sq ft; this home is listed at $193/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 43 Reverie Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jul 2026 | $470,000 | $209 | 2/2 | 2,252 | 70 | 0.1 |
| 20 Ellaville Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jul 2026 | $484,900 | $196 | 3/2 | 2,468 | 120 | 0.1 |
| 12 Ellaville Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jul 2026 | $485,000 | $197 | 3/2 | 2,468 | 221 | 0.1 |
| 41 Reverie Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jun 2026 | $467,990 | $168 | 4/2.5 | 2,790 | 507 | 0.1 |
| 3 Silver Glen Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jun 2026 | $400,000 | $218 | 2/2 | 1,836 | 262 | 0.1 |
| 11 Silver Glen Drive, Palm Coast, FL 32137Listed by OLYMPUS EXECUTIVE REALTY, INC | Jun 2026 | $423,000 | $230 | 3/2 | 1,836 | 146 | 0.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC
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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Your Local Realtor
Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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