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Pending

Pending·17 days on market

14 Fountain Gate Lane

Palm Coast, FL 32137

$399,000$243/sqftEst. $2,034/moMLS# 2154484

Beds

Baths

1,641

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Palm Coast

Welcome to your own private retreat! This beautifully maintained 3-bedroom, 2-bathroom home offers the perfect blend of comfort, convenience, and outdoor living. One of the full bathrooms features direct exterior access, making it ideal for pool days and entertaining guests. Step outside to your backyard oasis, where a screened-in, heated saltwater pool and hot tub create a true resort-style experience. The pool and spa are heated by dedicated solar pool panels, with a propane heater available to provide additional heat for the pool and spa when needed, allowing you to enjoy year-round comfort. Situated on a spacious corner lot that still feels wonderfully private, the backyard is designed for relaxation and entertaining, with plenty of room to gather with family and friends. Inside, you'll find updated windows and plantation shutters throughout, adding timeless style and energy efficiency. The home is connected to city water and sewer, while a separate well supplies the (cont..)

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Insurance (est.): $266

Estimated Total Monthly

$2,300

*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$2,034

Estimated total, before insurance$2,034/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,309/yr · $276/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): $3,309/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 — 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 2000)

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: ~1,710 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

Jul 12, 2026Pending$399,000
Jul 9, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$243

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,641

Acres0.30 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure, Waterfall

Is WaterfrontNo

Community Information

Address14 Fountain Gate Lane, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionPalm Harbor

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size13,068 sq ft

Parcel Number0711317007003700040

Amenities

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street

ViewPool

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Spa FeaturesIn Ground, Heated