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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

$355,0003 bd · 2 ba · 1,878 sq ft

Active·4 days on market

21 Park Place Circle

Palm Coast, FL 32164

$355,000$189/sqftEst. $1,935/mo mortgageMLS# 2172634
↓ $10,000 below original list
3
Beds
2
Baths
1,878
Sq Ft
2018
Built
2
Garage
No
Pool
FEMA Zone XHOA $235/mo6,098 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

AMENDMENT 3 TAX-SAVINGS OPPORTUNITY! MOVE-IN READY & LOWEST PRICED IN PARK PLACE! All-cash buyers welcome! Vacant and easy to show, this beautifully maintained 2018 concrete block home offers 1,878 SF, 3 bedrooms (third bedroom non-conforming), and 2 baths in Palm Coast's desirable gated 55+ Park Place community. The gourmet kitchen features granite countertops, stainless steel appliances, upgraded 42-inch cabinetry, pantry, custom storage, and a large island. The spacious primary suite offers an oversized walk-in closet, dual vanities, and an expanded glass-enclosed shower. Additional features include vaulted ceilings, ceramic tile in main living areas, deluxe laundry room, screened lanai overlooking a fenced backyard, paver driveway, and 2-car garage with epoxy flooring and storage. Enjoy low-maintenance Florida living with low HOA fees. Don't miss this opportunity!

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$1,935
HOAbilled monthly$235
Estimated total, before insurance$2,170/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,585/yr · $382/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

$355,000
$71,000
Loan Term
Monthly Payment
$1,935
Principal & Interest: $1,935
Insurance (est.): $237
Estimated Total Monthly
$2,172
*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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,760 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,585/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 10, 2026Price change$355,000−$10,000
  • Nov 6, 2026Listed$365,000

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 $176/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7 Pickwood Place, Palm Coast, FL 32164Listed by D R HORTON REALTY INCOct 2026$329,440$1774/21,862600.4
33 Phoenix Lane, Palm Coast, FL 32164Listed by REAL ESTATE SERVICES OF PALM COASTSep 2026$338,000$1724/21,9601430.6
39 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCOct 2026$363,997$1764/32,0705490.7
37 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$366,997$1774/32,0705130.7
49 Ponce Preserve Drive, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$358,080$1734/32,0701120.8
32 Portofino Lane, Palm Coast, FL 32164Listed by AXEN REALTY LLCSep 2026$360,997$1744/32,0771000.8

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$355,000
Price / Sq Ft$189
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,878
Acres0.14 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
55+ CommunityYes

Community Information

Address21 Park Place Circle, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPark Place
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size6,098.4 sq ft
Parcel Number3011315090000000090
ZoningSingle Family

Amenities

AmenitiesPool, Gated, Maintenance Grounds
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
FencingBack Yard
RoofShingle
ConstructionBlock
Road SurfaceAsphalt

Additional Information

Date ListedNovember 6, 2026
Days on Market4
HOA Fees$235 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInternet, Maintenance Grounds
Tax Amount$4,584.61
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: UNITED REAL ESTATE GALLERY

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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