Pending·40 days on market
34 Felter Lane
Palm Coast, FL 32137
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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
Save on electric bills with energy-efficient solar power! This home features solar electric and hot water, a 2026 updated electrical panel, and a 2024 HVAC system. A charming, tiled front porch with sitting area welcomes you home. Inside, you are greeted by a convenient coat closet and an inviting step-down living room accented by decorative wrought-iron railing. The split floor plan offers excellent privacy, with dual-primary-bedroom wings on each side of the home. Both primary bedrooms feature walk-in closets, while the main primary suite includes an en-suite bathroom and sliding glass doors leading to the rear lanai. Bedroom 2 enjoys access to a nearby full bath through a private hallway with a pocket door, creating an ideal guest or secondary suite setup. Bedroom 3 is a bright corner room with four windows and also works beautifully as a home office.
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 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 1976)
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: ~1,788 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.
History
Price & status history
- Oct 5, 2026Pending$264,900
- Sep 30, 2026Price change$264,900−$12,800
- Sep 18, 2026Price change$277,700−$7,200
- Aug 31, 2026Active$284,900
- Aug 25, 2026Pending$284,900
- May 15, 2026Listed$284,900
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 $195/sq ft; this home is listed at $168/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 21 Filbert Lane, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $268,000 | $203 | 2/2 | 1,322 | 73 | 0.3 |
| 8 Fernwood Lane, Palm Coast, FL 32137Listed by EXP REALTY LLC | Jul 2026 | $330,000 | $171 | 3/2 | 1,929 | 76 | 0.3 |
| 61 Flamingo Drive, Palm Coast, FL 32137Listed by SUNCOAST PROPERTY MANAGEMENT LLC | Dec 2025 | $313,400 | $195 | 4/2 | 1,607 | 154 | 0.3 |
| 1 Farrington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT | Jul 2026 | $255,000 | $193 | 2/2 | 1,318 | 134 | 0.5 |
| 14 Fountain Gate Lane, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATE | Aug 2026 | $400,000 | $244 | 3/2 | 1,641 | 3 | 0.7 |
| 1 Bowman Place, Palm Coast, FL 32137Listed by EXP REALTY LLC | Jul 2026 | $300,000 | $159 | 4/2 | 1,889 | 47 | 0.8 |
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: WATSON REALTY CORPORATION
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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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