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Overview

4 bd3 ba2,511 sqftSingle Family
TypeSingle Family
HOA$185/yr
Built2026
Lot6,758 sqft
Living area2,511 sqft
Price / sqft$165

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
SEMINOLE PALMS PH 1
Type
Single Family Residence

True monthly carry

HOA
~$15/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Open FloorplanPrimary Bedroom Main FloorThermostatWalk-in Closet(s)LightingClubhouseDog ParkFitness Center

1322 Ribbon Pl is a 2026-built home in Seminole Palms Ph 1, Palm Coast. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,511 square feet of living space. Listed at $414,990 (about $165/sqft), 4 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $185 annually.

From the listing

QUICK MOVE-IN! Welcome to Seminole Palms, offering abundant living space, the Amelia II boasts a convenient main-floor owner’s suite with a private bath and roomy walk-in closet. The main floor also includes a valet entry off the 3-car garage and an inviting open-concept living space, anchored by a large kitchen—with a center island and pantry—overlooking a casual dining area and great room with patio access. Heading upstairs, you’ll enjoy additional hangout space in an expansive game room. The second floor also offers three generous secondary bedrooms—all featuring walk-in closets—that share a full hall bath. As a part of a planned community, Seminole Palms residents will enjoy on-site, resort-style amenities, including a playground, dog park, ponds, and walking trails, along with a state-of-the-art center with a fitness room, community space, and a pavilion. Pricing shown reflects available seller incentives when financing is obtained through the seller’s preferred lender. Terms and conditions apply.

The essentials

Built
2026
Price / sqft
$165
On market
4 days
Annual tax
$3,053
HOA
$185/yr
Flood zone
X · Low risk
Lot
6,758 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
6,758 sqft lot
Lot size
2,511 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,641/mo
Down payment (20%)
$82,998
Property taxes
$254/mo
HOA
$185/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,758 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
4
Open Floorplan
Primary Bedroom Main Floor
Thermostat
Walk-in Closet(s)
Lighting
Clubhouse
Dog Park
Fitness Center
Playground
Pool
Convection Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Range Hood
Elementary
Bunnell Elementary
Middle
Buddy Taylor Middle
High
Flagler-Palm Coast High

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$3,053
Parcel #
21-12-31-5560-00000-0400

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Seminole Palms Ph 1
County
Flagler
MLS Area
32164 - Palm Coast
Lot Size
6,758 sqft
HOA
$185/yr
Community Assoc & Lifestyle Mgt/Kayla Rinker

Price history

Date
Event
Price
10/7/2026
Listed for sale
Source: Stellar MLS #FC321959
$414,990
$165/sqft

Neighborhood

1322 Ribbon Pl
Palm Coast, FL, 32164 · 32164 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $414,990
$412,500 – $414,990
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 597 home closings in 32164 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 4.

Sample: 597 closed home sales in 32164 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,642/mo
Principal & interest$2,164
Property taxes$254
Insurance$207
HOA$15
Down payment20% · $82,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$414,990

$165 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,511 sq ft

Time on market

4 days

Year built

2026

Monthly payment

About $2,641/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,053 annual tax bill, insurance, and the $185/yr HOA fee.

HOA fee

$185/yr

Managed by Community Assoc & Lifestyle Mgt/Kayla Rinker.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byCCNC REALTY GROUP LLCListing agent: Dennis ParsonsListing data from Stellar MLS, MLS# FC321959.

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