

Overview
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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
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.
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.
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The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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.
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