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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·4 days on market

6645 N Ocean Shore Boulevard 2B

Palm Coast, FL 32137

$3,100,000$768/sqftEst. $17,036/mo mortgageMLS# 2169828
3
Beds
3.5
Baths
4,036
Sq Ft
2026
Built
4
Garage
Yes
Pool
FEMA Zone VEHOA $750/mo3.87 acresWaterfrontTownhouse3 storiesNew construction

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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

Nearly Completed New Construction. Direct ocean views from every floor with the most stunning Rooftop patio. Exquisite interiors that have the perfect combination of beauty and coastal charm. 20ft High ceilings add a sense of grandeur while showcasing the ocean views and natural light along with large windows above the oversized impact glass sliders. As the open air space extends up to the gallery above it exposes the elegant yet airy atmosphere. Even more Ocean views from the owners suite which spans the entire third floor for a true sense of Luxury. Don't miss out on this Exclusive collection of beachfront homes and your chance to elevate your living experience to new heights.

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$17,036
HOAbilled monthly$750
Estimated total, before insurance$17,786/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$21,994/yr · $1,833/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

$3,100,000
$620,000
Loan Term
Monthly Payment
$17,036
Principal & Interest: $17,036
Insurance (est.): $2,067
Estimated Total Monthly
$19,103
*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 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: Concrete — year not disclosed (home built 2026)

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

Solar potential: ~1,781 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.

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 7:32 AM, sunset 6:46 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

2024 property taxes (current owner): $21,994/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 18, 2026Listed$3,100,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$3,100,000
Price / Sq Ft$768
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage4,036
Acres3.87 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleHalf Duplex
Property ConditionTo Be Built, Under Construction
StatusActive
# of Garages4
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water, Waterfall
Is WaterfrontYes
New ConstructionYes
Direction FacesEast

Community Information

Address6645 N Ocean Shore Boulevard 2B, Palm Coast, FL 32137
Area605-Flagler County North-Beach
SubdivisionDupont Estates
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size168,577.2 sq ft
Parcel Number3710311550000000220222

Amenities

Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached
ViewBeach, Ocean

Interior

Interior FeaturesBreakfast Bar, Elevator, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar, Wine Cellar
AppliancesConvection Oven, Dishwasher, Double Oven, Electric Cooktop, Electric Range, Gas Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral, Electric
CoolingCentral Air, Separate Meters
FlooringMarble, Stone, Tile, Wood
FireplaceYes
# of Fireplaces3
Fireplace FeaturesGas, Outside
# of Stories3
LevelsThree Or More
LaundryElectric Dryer Hookup, Washer Hookup
Spa FeaturesIn Ground, Private

Exterior

Exterior FeaturesBalcony, Fire Pit, Impact Windows, Outdoor Kitchen, Outdoor Shower
Patio / PorchDeck, Patio, Porch, Rear Porch, Side Porch, Terrace
FencingOther
RoofConcrete
ConstructionConcrete
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedOctober 19, 2026
Days on Market0
HOA Fees$750 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds, Security, Trash
Tax Amount$21,993.56
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BLUE OCEANS 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

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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