Sold·Closed Aug 21, 2026·73 days on market
21 Filbert Lane
Palm Coast, FL 32137
About this home
Palm Coast
Welcome home to this beautiful 2/2 in the sought after ''F'' neighborhood of Palm Coast with no HOA. This home features 2 bedroom and 2 bathrooms with an oversized 276 s/f, all enclosed, heated & cooled sun room perfect for relaxing or additional living space. The home features a 2019 roof, new a/c, electrical, and fenced in yard. Entire home includes upgraded LVP flooring, new bathrooms, doors, cabinets, counters, appliances, whole home generator connection port, and freshly painted. Just 5 miles from the ocean where you can enjoy evening walks on the beach and enjoy all the local restaurants and entertainment that Palm Coast has to offer.
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 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: Shingle — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,722 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $2,970/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
- Aug 21, 2026Closed$274,900
- Jul 25, 2026Active Under Contract$274,900
- May 8, 2026Listed$274,900
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 $203/sq ft; this home is listed at $208/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 61 Flamingo Drive, Palm Coast, FL 32137Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Dec 2025 | $313,400 | $195 | 4/2 | 1,607 | 154 | 0.2 |
| 14 Fountain Gate Lane, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $400,000 | $244 | 3/2 | 1,641 | 3 | 0.4 |
| 3 Flamingo Drive, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATE | Oct 2025 | $245,000 | $225 | 2/2 | 1,090 | 136 | 0.4 |
| 1 Farrington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT | Jul 2026 | $255,000 | $193 | 2/2 | 1,318 | 134 | 0.7 |
| 25 Folcroft Lane, Palm Coast, FL 32137Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Sep 2025 | $324,000 | $202 | 4/2 | 1,607 | 85 | 0.7 |
| 62 Belvedere Lane, Palm Coast, FL 32137Listed by EXIT INSPIRED REAL ESTATE | Aug 2026 | $280,000 | $203 | 3/2 | 1,381 | 61 | 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: UNITED REAL ESTATE GALLERY
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
Similar homes in Palm Coast
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 21, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines