Active·110 days on market
44 Flagler Drive
Palm Coast, FL 32137
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palm Coast
This spectacular, beachside home, just 14 lots from the Atlantic, offers over 2,400 sq ft of beautifully updated living space. Four bedrooms, three and a half baths w/ a two-car garage. The living room, family room, dining room, kitchen, half bathroom & laundry room are located on the first floor. Three bedrooms are located upstairs, along with two bathrooms. Upgraded kitchen with wood cabinets, granite countertops, and newer stainless steel appliances. High-end laminate flooring in family room, dining room & living room. Waterproof laminate flooring installed in the kitchen & half bath. The primary bedroom has a powder room and a separate bathroom. The second & third bedrooms are bright & spacious. The charming fourth bedroom/mini apartment is separate from the house and has been used as an Airbnb in the past. The front of the home features a wrap-around covered porch. Behind you will find a nicely sized deck, ideal for enjoying ocean breezes.
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.
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 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water (record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,773 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 6:55 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.
History
Price & status history
- Jun 26, 2026Listed$724,900
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 $283/sq ft; this home is listed at $282/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 32 Andover Drive, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUP | Aug 2026 | $495,000 | $270 | 3/2.5 | 1,830 | 29 | 0.3 |
| 144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLC | Jan 2026 | $990,000 | $394 | 3/2.5 | 2,512 | 104 | 1.8 |
| 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 | 2.2 |
| 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 |
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
Exterior
Additional Information
Listing Courtesy of: REMAX SELECT PROFESSIONALS
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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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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