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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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Active·150 days on market

115 Forsythe Lane

Palm Coast, FL 32137

$259,000$247/sqftEst. $1,372/moMLS# 2140775
$11,000 below original list
2
Beds
2
Baths
1,047
Sq Ft
1996
Built
1
Garage
Yes
Pool
FEMA Zone XNo HOASingle Family Residence1 story

About this home

Palm Coast

No HOA! Enjoy the ease of condo-style living without the condo fees at 115 Forsythe Lane in beautiful Palm Coast! This charming single-family home is perfect for those looking for a low-maintenance Florida lifestyle while still enjoying the privacy and freedom of owning your own home. Relax or entertain in the fully fenced backyard featuring a heated in-ground pool and an irrigation system to keep the landscaping lush year-round. Conveniently located near shopping, dining, parks, and just minutes from the beach, this home offers the perfect blend of comfort, convenience, and Florida living. Don't miss your opportunity to own this hidden gem in one of Palm Coast's most desirable locations!

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,372
Estimated total, before insurance$1,372/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$259,000
$51,800
Loan Term
Monthly Payment
$1,372
Principal & Interest: $1,372
Insurance (est.): $173
Estimated Total Monthly
$1,544
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — year not disclosed (home built 1996)

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: ~1,751 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.

History

Price & status history

  • Jul 17, 2026Price change$259,000$11,000
  • Apr 23, 2026Listed$270,000

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

Features

Price$259,000
Price / Sq Ft$247
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,047
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages1
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryOld Kings
MiddleIndian Trails
HighMatanzas

Community Information

Address115 Forsythe Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Parcel Number07-11-31-7007-0012
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Available
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Dryer, Electric Cooktop, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedApril 23, 2026
Days on Market88
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE · lisaannjax@gmail.com

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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