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203 THORNBERRY Way, Palm Coast, FL, 32164

5beds
3baths
2,222sqft
$358,997
$162price/sqft
$2,504/moest. monthly cost
$100,160/yrincome needed

About This Home

Up to $17k CC for any deal using our preferred lender. Rates as low as 4.99! This Raleigh floor plan showcases a beautiful single-story layout with white cabinetry and quartz countertops enhancing the gourmet kitchen. With five bedrooms and two bathrooms, there is plenty of room to spread out. The covered patio overlooks peaceful pond views, creating a relaxing and picturesque outdoor retreat. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). *Financing subject to change without notice.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

5/10
Bunnell Elementary SchoolGrades PK-53.3 mi
5/10
4/10

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Shingle
  • Construction materials: Other,Block,Composition Siding,Frame,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Range,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Kitchen Island,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Split Bedrooms,Walk-In Closet(s),Other
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,600
  • Total interior livable area: 2,222 sqft

Property

Details

  • Parcel number: 0512312755000001190

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 6,534 sqft
  • Features: Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Flagler County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,815$21,780
Home Insurance *$239$2,868
Property Taxes $227$2,724
Electricity $223$2,683
Total$2,504$30,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,851/yr
40% on housing$75,120/yr
45% on housing$66,773/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 32164$177
Flagler County$229

vs Homes Sold Last Month

Median $/sqft

ZIP 32164$185
Flagler County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-25Price change$358,997
2026-05-22Price change$373,997
2026-05-01Listed for sale$371,997

New Construction

AgentSTEPHANIE MORALES LLC
BrokerageAXEN REALTY LLC

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