Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·86 days on market

12 Lansing Lane

Palm Coast, FL 32137

$390,000$197/sqftEst. $2,007/moMLS# 2144909

Beds

Baths

1,982

Sq Ft

2024

Built

Garage

Pool

About this home

Palm Coast

Welcome to this stunning 2024 built home in the desirable Matanzas Woods area of Palm Coast! This energy-efficient 3 bedroom, 2 bathroom home offers nearly 2,000 sq ft of thoughtfully designed living space loaded with upgrades throughout. The open-concept floor plan features luxury tile plank flooring, soaring 9'4'' ceilings, and a spacious bonus room perfect for an office, flex space, or playroom. The gourmet kitchen showcases quartz countertops, stainless steel appliances, 42'' soft-close cabinetry, and ample storage. The spacious primary suite includes tray ceilings, oversized walk-in closets, and a beautifully appointed bath. Enjoy relaxing on the covered lanai overlooking the landscaped yard with irrigation system already in place. Built with quality concrete block construction and backed by a 10-year structural warranty. Conveniently located close to shopping, dining, schools, parks, and just a short drive to the beach. No HOA!

Cost to own

Mortgage calculator

Home Price

$390,000

Down Payment: 20%

$78,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,007

Principal & Interest: $2,007

Insurance (est.): $260

Estimated Total Monthly

$2,267

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.67% · 30yr$2,007

Estimated total, before insurance$2,007/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,961/yr · $247/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,961/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.

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 2024)

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

Solar potential: ~1,720 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