Active·42 days on market
28 Flagler Drive
Palm Coast, FL 32137
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
Completed in 2023, this stunning custom home offers over 2,700 square feet of thoughtfully designed living space just steps from the beach in beautiful Palm Coast. Step inside and experience soaring ceilings, oversized windows that flood the home with natural light, and a seamless open-concept layout designed for both everyday living and effortless entertaining. The natural, bohemian-inspired furnishings perfectly complement the home's warm inlaid wood finishes and modern design elements. The kitchen is the heart of the home, featuring sleek quartz countertops, wood cabinetry, stainless steel appliances, and expansive prep space, ideal for hosting gatherings or enjoying quiet mornings at home. The primary suite is conveniently located downstairs, offering privacy and comfort with an oversized walk-in closet and a spacious shower. Upstairs, you'll find two generously sized bedrooms and a full bath, along with a separate office and an expansive loft living area.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone HUR
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,683 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:26 AM, sunset 6:56 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
2025 property taxes (current owner): $10,108/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 5, 2026Price change$989,000−$10,000
- Mar 8, 2026Listed$999,000
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 $283/sq ft; this home is listed at $361/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLC | Jan 2026 | $990,000 | $394 | 3/2.5 | 2,512 | 104 | 1.7 |
| 44 Hidden Treasure Drive, Palm Coast, FL 32137Listed by BEYCOME OF FLORIDA LLC | Mar 2026 | $750,000 | $283 | 4/3 | 2,652 | 146 | 2 |
| 8 Old Oak Drive N, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Oct 2026 | $1,130,000 | $383 | 4/2 | 2,947 | 43 | 2.1 |
| 19 Deerwood Street, Palm Coast, FL 32137Listed by NON MLS (realMLS) | Jul 2026 | $560,000 | $277 | 3/2 | 2,025 | 0 | 2.3 |
| 99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $525,000 | $202 | 3/3.5 | 2,594 | 10 | 2.3 |
| 32 Covington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $430,000 | $179 | 4/3 | 2,403 | 172 | 2.3 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ENDLESS SUMMER REALTY
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.
Keep looking
More homes in Marineland Acres
For Sale44 Flagler DrivePalm Coast, FL 32137
4 bd · 3.5 ba · 2,572 sq ft
$724,900Est. $3,858/moThis spectacular, beachside home, just 14 lots from the Atlantic, offers over 2,400 sq ft of beautifully updated living…
Listing Office: remax select professionals
Pending5 Moody DrivePalm Coast, FL 32137
2 bd · 2 ba · 1,102 sq ft
$349,000Est. $1,858/moProbate is complete. BUYERS' FINANCING FELL THROUGH. BACK on the market! ZONED R/C ''RESIDENTIAL COMMERCIAL''. Looking…
Listing Office: remax select professionals
Keep looking
Similar homes in Palm Coast
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines