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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

Active·115 days on market

77 Bruning Lane

Palm Coast, FL 32137

$329,900$191/sqftEst. $1,761/moMLS# 2146063
↓ $45,100 below original list
4
Beds
2
Baths
1,724
Sq Ft
2002
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

About this home

Palm Coast

Seller says SELL! $5K towards buyers closing costs, 1 year home warranty. Welcome to this beautifully maintained 4-bedroom, 2-bath brick home featuring an in-ground pool, hot tub, wood-burning fireplace, and a large screened porch overlooking a fully fenced backyard. Freshly painted inside and out, this home is move-in ready and offers the perfect combination of comfort, style, and convenience. NO HOA! Step inside to find vaulted ceilings throughout the main living areas, engineered laminated hardwood flooring in all living spaces, and a warm, inviting wood-burning fireplace -- perfect for cozy evenings at home. The bright, open floor plan is ideal for everyday living and entertaining. The light and inviting kitchen features newer stainless steel appliances, a breakfast bar, and a cozy breakfast nook. The spacious primary suite offers a luxurious bathroom with double vanities, a garden tub, separate walk-in shower, private water closet, and a large walk-in closet.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,761
Estimated total, before insurance$1,761/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,727/yr · $144/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$329,900
$65,980
Loan Term
Monthly Payment
$1,761
Principal & Interest: $1,761
Insurance (est.): $220
Estimated Total Monthly
$1,981
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2002)

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: ~1,703 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,727/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

  • Sep 25, 2026Price change$329,900−$20,000
  • Sep 8, 2026Price change$349,900−$15,100
  • Aug 18, 2026Price change$365,000−$8,000
  • Jul 23, 2026Price change$373,000−$2,000
  • Jun 2, 2026Listed$375,000

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

Features

Price$329,900
Price / Sq Ft$191
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,724
Total Structure Area2,346 sq ft
Acres0.23 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontNo

Community Information

Address77 Bruning Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionIndian Trails
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size10,018.8 sq ft
Lot Dimensions80 x 125
Parcel Number0711317013001900070
ZoningResidential

Amenities

UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesWalk-In Closet(s)
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
# of Stories1

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard, Full, Wood
RoofShingle
ConstructionBrick, Frame
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedJune 2, 2026
Days on Market115
Tax Amount$1,727.37
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: VIRTUAL HOMES REALTY

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?

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