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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

$1,200,0005 bd · 4 ba · 2,867 sq ft

Active·151 days on market

14 Meridian Home Lane

Palm Coast, FL 32137

$1,200,000$419/sqftEst. $6,542/mo mortgageMLS# 2149403
5
Beds
4
Baths
2,867
Sq Ft
2019
Built
3
Garage
Yes
Pool
FEMA Zone XNo HOASingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$6,542
Estimated total, before insurance$6,542/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,200,000
$240,000
Loan Term
Monthly Payment
$6,542
Principal & Interest: $6,542
Insurance (est.): $800
Estimated Total Monthly
$7,342
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

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.

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.

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 $367/sq ft; this home is listed at $419/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7 Rollins Dunes Drive, Palm Coast, FL 32137Listed by GAILEY ENTERPRISES LLCAug 2025$735,000$3653/22,013650.5
144 Cochise Court, Palm Coast, FL 32137Listed by LPT REALTY LLCJan 2026$990,000$3943/2.52,5121041.3
13 Old Oak Drive N, Palm Coast, FL 32137Listed by RE/MAX SPECIALISTSOct 2026$1,050,000$3544/3.52,9671561.6
8 Old Oak Drive N, Palm Coast, FL 32137Listed by COASTAL GATEWAY REAL ESTATE GROUPOct 2026$1,130,000$3834/22,947431.7
99 Cimmaron Drive, Palm Coast, FL 32137Listed by UNITED REAL ESTATE GALLERYJul 2026$525,000$2023/3.52,594101.8
12 Oak View Circle E, Palm Coast, FL 32137Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2025$975,000$3674/32,65621.8

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

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

School Information

This listingNo schools reported in the MLS
ElementaryOld Kings, reported on 2 other Palm Coast listings
MiddleIndian Trails, reported on 2 other Palm Coast listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

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

Exterior

Exterior FeaturesOutdoor Kitchen, Outdoor Shower
Patio / PorchDeck
RoofShingle
ConstructionConcrete, Stucco
Other StructuresGuest House, Outdoor Kitchen, Shed(s)
Road SurfaceAsphalt

Additional Information

Date ListedJune 8, 2026
Days on Market151
Tax Amount$10,521.72
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

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

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines