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21 PARK PLACE CIRCLE, Palm Coast, FL, 32164 | $372,900
Seller Offering $5, 000 in Concessions with a Full-Price Offer — Plus a Rare 5. 1% Assumable Loan!
If you’re a 55+ buyer looking to lower your monthly payment, avoid today’s higher interest rates, and enjoy low-maintenance Florida living, this home offers exceptional value.
Welcome to Park Place at Palm Coast, a desirable 55+ gated community where comfort, convenience, and peace of mind come together. Built in 2018, this move-in ready 3-bedroom, 2-bath home (third bedroom is non-conforming) offers 1, 878 square feet of well-designed living space—perfect for full-time residents, snowbirds, or those downsizing without compromise.
Curb appeal is immediate, with manicured landscaping, a paver driveway, and a two-car garage. Inside, the open floor plan feels bright and spacious, featuring vaulted ceilings, ceramic tile flooring in main living areas, and carpeted bedrooms for added comfort.
The modern kitchen is ideal for both daily living and entertaining, showcasing granite countertops, stainless steel appliances, and a large center island. The primary suite serves as a private retreat with a walk-in shower, dual vanities, and a generous walk-in closet. The additional rooms offer flexibility, with the non-conforming third bedroom functioning perfectly as a home office, hobby room, or guest space.
Enjoy Florida’s outdoor lifestyle in the screened lanai, complete with an epoxy-finished floor and ceiling fan—ideal for morning coffee or evening relaxation. The fenced backyard adds privacy and peace of mind.
The garage is thoughtfully upgraded with epoxy flooring, custom storage cabinets, and a garage screen enclosure. This home is also well-prepared for storm season, featuring custom hurricane window panels, a generator, and an installed transfer switch.
Residents of Park Place Palm Coast enjoy resort-style amenities, including a seasonally heated pool, bocce, shuffleboard, horseshoes, a putting green, and an outdoor kitchen. Well-lit sidewalks create a safe and welcoming environment for evening walks.
The HOA is $235 per month, covering lawn care, cable, and internet, and there are no CDD fees, keeping monthly expenses predictable.
With a $5, 000 seller concession, a 5. 1% assumable loan, and a location in one of Palm Coast’s most sought-after 55+ communities, this home delivers both lifestyle and value.
Features
- Amenities: Pool
- Rooms: 4
- Bedrooms: 3
- Baths: 2 full
- Laundry: Electric Dryer Hookup, Laundry Room
- Year Built: 2018
- Garage: 2-car Garage Door Opener
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,878
- Acreage: 0.14
- Est. Taxes: $4,633
- HOA Fee: $235 Monthly
- View: Water
- Adult Communities: Yes
- Elem. School: Belle Terre Elementary
- Middle School: Buddy Taylor Middle
- High School: Flagler-Palm Coast High
- Pet Policy: Number Limit
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
- MLS#: FC309817
- Days on Market: 226 days
- Website: https://www.raveis.com
/prop/FC309817/21parkplacecircle_palmcoast_fl?source=qrflyer
Listing courtesy of LPT Realty Phone: 877-366-2213
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
21 PARK PLACE CIRCLE, Palm Coast, FL, 32164
$372,900
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $298,320 | $298,320 | $298,320 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.132% | 5.415% |
| Monthly Tax Payment | $386 | $386 | $386 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,694 | $1,787 | $2,379 |
| Total Monthly Payment | $2,155 | $2,248 | $2,840 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388