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Overview

4 bd2 ba1,912 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot10,019 sqft
Living area1,912 sqft
Price / sqft$295
Garage2 car

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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
PALM HARBOR
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
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.

About this home

High CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomThermostatTray Ceiling(s)Walk-in Closet(s)

23 Francis Ln is a 2026-built home in Palm Harbor, Palm Coast. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,912 square feet of living space. Listed at $564,000 (about $295/sqft), 99 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Be the first to call this stunning brand-new home your own! Beautifully designed 4-bedroom home featuring 3 spacious bedrooms plus a versatile flex room. The flex room can easily serve as a home office, den, formal dining room, or media room to fit your lifestyle. The open-concept floor plan features elegant tray ceilings, a spacious living area, and a chef-inspired kitchen with a large island, granite countertops, stainless steel appliances, 42-inch soft-close cabinetry, and abundant storage. Luxury Vinyl Plank flooring flows throughout the home, combining modern style with durability and easy maintenance. The private primary suite offers dual walk-in closets, double vanities, a walk-in shower, and a relaxing soaking tub. Enjoy the lanai and a spacious backyard with plenty of room to add a future pool. Additional highlights include an indoor laundry room and an oversized garage. Conveniently located near shopping, dining, parks, walking and biking trails, medical facilities, and just minutes from Flagler Beach. No HOA.

The essentials

Built
2026
Price / sqft
$295
On market
99 days
Annual tax
$994
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
10,019 sqft lot
Lot size
1,912 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$3,306/mo
Down payment (20%)
$112,800
Property taxes
$83/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
10,019 sqft
Cooling
Central Air
Heating
Central, Electric, Exhaust Fan
Parking
-
Days on Market
99
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
French Doors
Dishwasher
Disposal
Exhaust Fan
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$994
Parcel #
07-11-31-7007-00510-0070

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
Palm Harbor
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
10,019 sqft

Price history

Date
Event
Price
7/3/2026
Listed for sale
Source: Stellar MLS #FC319743
$564,000
$295/sqft

Neighborhood

23 Francis Ln
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $564,000
$555,000 – $564,000
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 99.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,306/mo
Principal & interest$2,941
Property taxes$83
Insurance$282
Down payment20% · $112,800
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%. 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

$564,000

$295 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,912 sq ft

Time on market

99 days

Year built

2026

Monthly payment

About $3,306/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $994 annual tax bill, insurance.

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 byAPEX REALTY LLCListing agent: Elena TchoumakovaListing data from Stellar MLS, MLS# FC319743.

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