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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

$369,9004 bd · 2 ba · 2,176 sq ft

Active·5 days on market

61 Ebb Tide Drive

Palm Coast, FL 32164

$369,900$170/sqftEst. $2,017/mo mortgageMLS# 2172229
4
Beds
2
Baths
2,176
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

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

Welcome home to this beautifully updated 4-bedroom, 2-bath single-family residence situated on a spacious lot in the highly desirable E Block of Palm Coast. Conveniently located near Cypress Knoll and Grand Reserve Golf Clubs as well as just a short drive to Palm Coasts city center, this property offers an excellent combination of comfort, convenience, and Florida living. Recent improvements include a NEW ROOF (2026), new garage door, remodeled bathroom, and new carpeting, giving buyers added peace of mind and a fresh, updated feel. Inside, you'll appreciate the functional layout, spacious living areas, and charming double French doors that add character and provide an inviting connection to the outdoors. Outside, enjoy the possibilities that come with a generously sized lot, along with a separate outdoor storage room that conveniently houses the A/C unit while providing additional storage space. Whether you're a first-time homebuyer, looking to upgrade, or searching for a great

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
Estimated total, before insurance$2,017/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,419/yr · $452/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

$369,900
$73,980
Loan Term
Monthly Payment
$2,017
Principal & Interest: $2,017
Insurance (est.): $247
Estimated Total Monthly
$2,263
*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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,755 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.

As of November 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.

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 6:45 AM, sunset 5:33 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.
  • 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

2025 property taxes (current owner): $5,419/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 4, 2026Listed$369,900

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 $184/sq ft; this home is listed at $170/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
68 Eric Drive, Palm Coast, FL 32164Listed by EAZ REALTY LLCOct 2026$477,500$2014/32,376980.7
92 Bogey Place, Bunnell, FL 32110Listed by ATLANTIC COASTAL REAL ESTATE, LLCSep 2026$304,000$1843/21,655221
810 Grand Reserve Drive, Bunnell, FL 32110Listed by KELLER WILLIAMS ST JOHNSSep 2026$280,000$1693/21,655761.1
836 Grand Reserve Drive, Bunnell, FL 32110Listed by D R HORTON REALTY INCOct 2026$339,945$2053/21,6551041.2
19 Divot Place, Bunnell, FL 32110Listed by D R HORTON REALTY INCOct 2026$275,000$1663/21,6551401.2
22 Mulligan Way, Bunnell, FL 32110Listed by D R HORTON REALTY INCSep 2026$300,000$1813/21,6551151.2

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.

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$369,900
Price / Sq Ft$170
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,176
Total Structure Area2,176 sq ft
Acres0.23 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

This listingNo schools reported in the MLS
ElementaryBunnell, reported on 11 other Cypress Knoll listings
MiddleBuddy Taylor, reported on 12 other Cypress Knoll listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address61 Ebb Tide Drive, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionCypress Knoll
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size10,018.8 sq ft
Parcel Number0711317034015300110

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Off Street, On Street

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Electric Water Heater, Freezer, Microwave, Refrigerator
HeatingCentral
CoolingAttic Fan, Central Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Patio
FencingVinyl
RoofShingle
ConstructionStucco
Road FrontageCity Street

Additional Information

Date ListedNovember 4, 2026
Days on Market5
Tax Amount$5,419.22
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: JPAR CITY AND BEACH

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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