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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Active

Active·3 days on market

19 Mulberry Road

Palm Coast, FL 32164

$439,000$243/sqftEst. $2,432/moMLS# 2168414
3
Beds
2
Baths
1,807
Sq Ft
2027
Built
2
Garage
No
Pool
FEMA Zone XHOA $189/mo4,792 sqft lotTownhouse1 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

Must see Toll Brothers home! Step into luxury living with this beautifully appointed Villa, where thoughtful design meets natural beauty. Soaring 6 foot windows flood the interior with natural light, and the large triple sliding glass door opens to your backyard, which offers a sense of extra privacy and tranquility. Entertain effortlessly in the expansive great room, complete with an elegant tray ceiling that add architectural interest and height. The open concept layout flows seamlessly into the covered lanai, which features a built in gas line—perfect for an outdoor kitchen or cozy fire feature. Every detail has been considered to elevate comfort and style, inside and out. Don't miss this exceptional opportunity to own a home that blends elegance, function, and serene surroundings. Call today to schedule your private tour!

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$2,432
HOAbilled quarterly$189
Estimated total, before insurance$2,621/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$818/yr · $68/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

$439,000
$87,800
Loan Term
Monthly Payment
$2,432
Principal & Interest: $2,432
Insurance (est.): $293
Estimated Total Monthly
$2,724
*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 2027)

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 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.

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 7:24 AM, sunset 6:59 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): $818/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$439,000

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 $181/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9 Wimbledon Way, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCAug 2026$389,000$1833/32,1292540
6 Huxley Avenue, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCJun 2026$345,000$1913/21,8072450
10 Huxley Avenue, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCJun 2026$325,000$1803/21,8072380
6 Mulberry Road, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCJun 2026$349,000$1643/32,1294330
11 Wimbledon Way, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCApr 2026$384,000$1803/32,1293400
17 Mulberry Road, Palm Coast, FL 32164Listed by JACKSONVILLE TBI REALTY, LLCSep 2026$385,000$1813/32,1295050.1

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

Price$439,000
Price / Sq Ft$243
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,807
Total Structure Area2,391 sq ft
Acres0.11 acres
Year Built2027
TypeResidential
Sub-TypeTownhouse
StyleVilla
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

School Information

ElementaryBunnell
MiddleBuddy Taylor

Community Information

Address19 Mulberry Road, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionRetreat at Town Center
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size4,791.6 sq ft
Parcel Number0612315180000001490
ZoningResidential

Amenities

AmenitiesPool, Gated, Park
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Gas Range, Microwave, Tankless Water Heater
HeatingCentral, Natural Gas
CoolingCentral Air
FlooringCarpet, Tile
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level
SecurityCarbon Monoxide Detector(s), Key Card Entry, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Rear Porch
FencingPrivacy, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfacePaved

Additional Information

Date ListedOctober 8, 2026
Days on Market0
HOA Fees$568 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$817.87
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: JACKSONVILLE TBI 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

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

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