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Active

Active·58 days on market

14 Meridian Home Lane

Palm Coast, FL 32137

$1,200,000$419/sqftEst. $6,118/moMLS# 2149403

Beds

Baths

2,867

Sq Ft

2019

Built

Garage

Yes

Pool

About this home

Palm Coast

One or more photo(s) has been virtually staged. Rare Coastal Luxury Estate - East of A1A on a Private Acre An extraordinary opportunity to own a rare 1-acre estate east of A1A, ideally positioned between the Atlantic Ocean and the Intracoastal Waterway in one of Flagler County's most desirable coastal enclaves. Located on a secluded, gated cul-de-sac and surrounded by protected nature preserve, this exceptional property offers the perfect balance of privacy, luxury, and the Florida lifestyle that discerning buyers seek. The estate features a brand-new modern 4-bedroom, 3-bath residence, complemented by a private 1-bedroom, 1-bath guest house with a full kitchen. Ideal for extended family, guests, a private office, or income-producing opportunities, the guest house offers exceptional flexibility and value. Designed for effortless indoor-outdoor living, the resort-style outdoor space includes a screened lanai with a sparkling pool, spa, outdoor kitchen, and lounge area, creating the

Cost to own

Mortgage calculator

Home Price

$1,200,000

Down Payment: 20%

$240,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,118

Principal & Interest: $6,118

Insurance (est.): $800

Estimated Total Monthly

$6,918

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$6,118

Estimated total, before insurance$6,118/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,522/yr · $877/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): $10,522/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2019)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,738 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

Price & status history

Jun 8, 2026Listed$1,200,000

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

Features

Price$1,200,000

Price / Sq Ft$419

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,867

Total Structure Area4,417 sq ft

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Spanish

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat

Is WaterfrontNo

Community Information

Address14 Meridian Home Lane, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionPalm Coast

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Parcel Number4010313275000000030

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Ice Maker, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringTile

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit