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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 2, 2026·289 days on market

23 Westfield Lane

Palm Coast, FL 32164

$270,000sold priceListed at $294,900 · 91.6% of asking$158/sqftMLS# 2107621
3
Beds
2
Baths
1,713
Sq Ft
1983
Built
1
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

About this home

Palm Coast

BRAND-NEW ROOF JUST INSTALLED - MAJOR VALUE FOR BUYERS! This move-in ready 3BR/2BA home in Palm Coast offers peace of mind with a new roof and new water heater already completed. No HOA. Features include vaulted ceilings, open-concept living, and a bright Florida room ideal for a home office, gym, or flex space. Unique highlight: skyline view from the primary bathroom. Step outside to a large, fully fenced backyard -- perfect for entertaining, pets, or creating your own outdoor oasis -- complete with a shed with electricity. Additional updates include French drains, gutters, water softener, garbage disposal, and garage keyless entry. Blinds throughout. Washer, dryer, BBQ grill, and patio set convey. Conveniently located near Flagler Beach, shopping, dining, St. Augustine, and Daytona Beach.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,496
Estimated total, before insurance$1,496/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,006/yr · $167/mo
  • • 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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Insurance (est.): $180
Estimated Total Monthly
$1,676
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1983)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,733 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 home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,006/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.

History

Price & status history

  • Sep 2, 2026Closed$294,900
  • Jul 17, 2026Pending$294,900
  • Feb 10, 2026Listed$294,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $170/sq ft; this home is listed at $172/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
24 Westfalls Lane, Palm Coast, FL 32164Listed by LANTERN REALTY, LLC.Sep 2026$299,500$1993/21,504710.1
3 Walla Place, Palm Coast, FL 32164Listed by LPT REALTY LLCSep 2026$325,000$1463/22,224820.6
5 White Hall Drive, Palm Coast, FL 32164Listed by EXP REALTY LLCOct 2026$244,000$1963/21,24760.9
121 Whippoorwill Drive, Palm Coast, FL 32164Listed by BEYCOME OF FLORIDA LLCAug 2026$237,500$1594/21,497100.9
11 Parkway Drive, Palm Coast, FL 32164Listed by NON MLS (realMLS)Sep 2026$360,000$1703/22,11701
43 White Feather Lane, Palm Coast, FL 32164Listed by SUNCOAST PROPERTY MANAGEMENT LLCSep 2026$360,000$1674/32,1511301.1

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

Price$294,900
Price / Sq Ft$172
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,713
Year Built1983
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address23 Westfield Lane, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Parcel Number0711317022003400100

Amenities

UtilitiesCable Connected, Electricity Connected, Water Connected
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Vaulted Ceiling(s)
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

FencingBack Yard
ConstructionStucco
Other StructuresShed(s)

Additional Information

Date ListedFebruary 10, 2026
Days on Market289
Tax Amount$2,005.84
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 2, 2026. 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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