55 CAMELLIA STREET, Palm Coast, FL, 32137 | $339,000

Better Than New | 2024 Build in Somerset at Palm Coast Welcome to 55 Cemellia St in Palm Coast — a beautifully upgraded 3-bedroom, 2. 5-bath home built in 2024 by KB Home, offering 1, 926 square feet of thoughtfully designed living space with peaceful water views and stunning sunset exposure. The bright, open-concept first floor features an expansive living room, dining area, and kitchen designed for both everyday comfort and effortless entertaining. The kitchen is appointed with granite countertops, solid wood cabinetry, and a stylish tile backsplash, while tile flooring flows throughout the entire main level. Upgraded 5. 5-inch baseboards add a clean, modern finish, and a convenient half bath completes the first floor. Upstairs, beautiful hardwood flooring extends throughout. The spacious primary suite offers a private retreat with a large walk-in closet and en-suite bath. Two additional bedrooms, a full bathroom, and a dedicated laundry room provide functional space for family or guests. Step outside to your covered back porch overlooking a tranquil pond. The backyard stretches all the way to the water, and with western rear exposure, you’ll enjoy breathtaking sunset views from the comfort of your own outdoor living space. The community pool is located just across the water, creating a relaxed, resort-style atmosphere just steps away. Truly better than new, this home includes epoxy garage floors, installed gutters, and the added confidence of a 10-year limited builder warranty. ENERGY STAR® certified and built for efficiency, it’s designed to help lower monthly utility costs while enhancing year-round comfort. Conveniently located near shopping, dining, and entertainment, and just minutes from the beautiful beaches of Flagler Beach, this move-in-ready home offers modern construction, thoughtful upgrades, and a premium water-view setting — without the wait of new construction. Special financing available with lender credits toward closing costs and/or interest rate buy-down. Buyer must qualify for the lender’s exclusive financing program. Schedule your private showing today!

Features

  • Amenities: Pool
  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Laundry: Laundry Room, Upper Level, Washer Hookup, Electric Dryer Hookup
  • Year Built: 2024
  • Garage: 2-car
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,926
  • Acreage: 0.11
  • Est. Taxes: $7,260
  • HOA Fee: $98 Quarterly
  • View: Pool, Water
  • Water Front: Yes
  • Elem. School: Belle Terre Elementary
  • High School: Matanzas High
  • Pet Policy: Number Limit, Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: FC316355
  • Days on Market: 92 days
  • Website: https://www.raveis.com
    /prop/FC316355/55camelliastreet_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/26/2026 9:47:14 PM)
Listing courtesy of TAKE ACTION PROPERTIES, LLC   Phone: 386-283-5996

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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
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Our Insurance Division:

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55 CAMELLIA STREET, Palm Coast, FL, 32137

$339,000

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 $271,200 $271,200 $271,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.628% 5.933%
Monthly Tax Payment $605 $605 $605
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,648 $1,712 $2,252
Total Monthly Payment $2,328 $2,392 $2,932

* 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.