Pending·131 days on market
23 Banner Lane
Palm Coast, FL 32137
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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
ASK AGENT ABOUT THE EXCEPTIONAL INCENTIVES!! NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender & $31,000 UPGRADES INCLUDED!! Stunning Caspian Model in Palm Coast - Modern Living at Its Finest . Welcome to this beautifully designed 4-bedroom, 2-bath Caspian home located in the desirable Palm Coast area. Featuring 9'4'' ceilings, this home offers an open and airy feel throughout, enhancing both space and natural light. The thoughtfully designed floor plan showcases luxury vinyl plank flooring throughout, combining durability with modern style. The kitchen is a true centerpiece, complete with quartz countertops, ample cabinetry, and a layout perfect for both everyday living and entertaining. The spacious primary suite provides a relaxing retreat, while the additional bedrooms offer flexibility for guests, a home office, or growing families. Enjoy a perfect blend of comfort, style, and functionality in a rapidly growing area close to shopping, dining, parks, and Florida's
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 — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,641 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $671/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
- Oct 9, 2026Pending$389,900
- Aug 31, 2026Price change$389,900−$4,900
- Jul 27, 2026Price change$394,800−$5,000
- Jun 1, 2026Listed$399,800
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 $194/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8 Bannbury Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $319,900 | $156 | 4/2 | 2,052 | 236 | 0.3 |
| 196 Boulder Rock Drive, Palm Coast, FL 32137Listed by EXP REALTY LLC | Jul 2026 | $330,000 | $149 | 4/2 | 2,222 | 96 | 0.7 |
| 35 Belleaire Drive, Palm Coast, FL 32137Listed by HEARTLAND REAL ESTATE SERVICES | Jul 2026 | $279,000 | $138 | 3/2 | 2,016 | 1 | 0.7 |
| 3 Burning Sands Lane, Palm Coast, FL 32137Listed by LENNAR REALTY INC | Jun 2026 | $304,994 | $206 | 3/2 | 1,484 | 43 | 0.7 |
| 70 Bridgehaven Drive, Palm Coast, FL 32164Listed by D R HORTON REALTY INC | Aug 2026 | $362,080 | $194 | 4/2 | 1,862 | 66 | 0.8 |
| 7 Burning View Lane, Palm Coast, FL 32137Listed by EAZ REALTY LLC | Jun 2026 | $386,800 | $215 | 4/2 | 1,800 | 292 | 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
Exterior
Additional Information
Listing Courtesy of: EAZ REALTY LLC
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
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines