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Talk to a Specialist →What you actually pay each month at Reverie
Reverie is in active construction — verify the current HOA fee with Dream Finders Homes before closing. The estimates below are based on comparable Palm Coast 55+ communities and are directional. Flagler County's effective tax rate of ~1.05% runs slightly above Volusia's ~0.96%, but Reverie's lower home prices relative to Latitude Margaritaville typically offset that difference in absolute dollar terms.
| Component | $310K Home | $370K Home | $430K Home |
|---|---|---|---|
| HOA Fee (est. — verify with Dream Finders) | ~$175–$230/mo | ~$175–$240/mo | ~$190–$255/mo |
| Property Tax (prorated, Flagler Co. ~1.05%) | ~$220/mo | ~$272/mo | ~$325/mo |
| Homeowners Insurance | ~$155–$210/mo | ~$175–$245/mo | ~$195–$275/mo |
| Estimated Monthly Total (excl. mortgage) | ~$550–$660 | ~$622–$757 | ~$710–$855 |
On a comparable home size, Reverie runs approximately $250–$350/month less than Latitude Margaritaville — driven by lower home prices, a smaller HOA, and no CDD assessment. The Flagler tax rate is slightly higher but the absolute tax bill is lower because the taxable base is smaller. The math favors Reverie on cost; the math favors Latitude Margaritaville on amenity scale.
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Ownership cost over a decade — $370K purchase
| Year | HOA (est. 3% annual) | Tax (est. 3% cap) | Insurance (est. 5% annual) | Annual Total |
|---|---|---|---|---|
| Year 1 | $2,460 | $3,265 | $2,520 | ~$8,245 |
| Year 3 | $2,610 | $3,363 | $2,778 | ~$8,751 |
| Year 5 | $2,770 | $3,464 | $3,062 | ~$9,296 |
| Year 10 | $3,212 | $3,695 | $3,909 | ~$10,816 |
| 10-Year Total | ~$28,500 | ~$34,200 | ~$30,600 | ~$93,300 |
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Get Free Research Help →Tax estimates use Flagler County's median effective rate of ~1.05% after standard homestead exemption. HOA fees are estimated — verify with Dream Finders Homes. Insurance ranges based on current Flagler County market conditions. Nova55Living has no financial relationship with Dream Finders Homes or Reverie at Palm Coast.