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$870,000Sold4 bd · 3.5 ba · 3,630 sq ft
Sold·Closed Sep 2, 2025·144 days on market
28 Emerald Lake Drive
Palm Coast, FL 32137
About this home
Palm Coast
Welcome to unparalleled luxury living in Palm Coast Plantation! This stunning two-story home offers breathtaking lakefront views that greet you the moment you enter. With 4 spacious bedrooms, 3.5 bathrooms, and over 3,600 square feet of refined living space, this residence exudes elegance and timeless charm. Upon entering, you'll be impressed by the grandeur of the high ceilings, and obvious quality & attention paid to every detail of the construction and design. Your eyes will be drawn immediately to the magnificent view of Emerald Lake. Host elegant dinners in the formal dining room, unwind in the cozy family room, or relax in the expansive great room. The gourmet kitchen is a chef's dream, featuring top-of-the-line granite countertops, stainless steel appliances, a gas cooktop, built-in oven, and custom wood cabinetry with a matching hood vent. Step outside to your own private oasis, where the resort-style backyard awaits. Enjoy sunny days lounging by the sparkling pool and
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2004)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,818 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 14 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 10 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 7 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Accessible Kayak Launch Dockabout 7 mi · Atlantic ICW (Flagler County) Matanzas River
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 6:42 AM, sunset 5:34 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $10,580/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $343/sq ft; this home is listed at $240/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 130 N Lakewalk Drive, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Nov 2025 | $855,000 | $329 | 4/3 | 2,602 | 6 | 0.4 |
| 10 Heron Drive, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $620,000 | $229 | 3/3 | 2,703 | 82 | 0.5 |
| 80 N Lakewalk Drive, Palm Coast, FL 32137Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Nov 2025 | $652,000 | $251 | 3/3 | 2,597 | 166 | 0.6 |
| 110 Heron Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Dec 2025 | $1,200,000 | $343 | 4/3.5 | 3,499 | 139 | 0.9 |
| 2948 N Ocean Shore Boulevard, Flagler Beach, FL 32136Listed by NON MLS (realMLS) | Oct 2025 | $1,100,000 | $426 | 4/3 | 2,583 | 188 | 1 |
| 2585 Osprey Circle S, Flagler Beach, FL 32136Listed by NON MLS (realMLS) | Dec 2025 | $1,270,453 | $361 | 5/3 | 3,522 | 0 | 1.1 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 2, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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