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Active

Active·23 days on market

56 Lake Forest Place

Palm Coast, FL 32137

$295,000$214/sqftEst. $1,521/moMLS# 2155150

Beds

Baths

1,381

Sq Ft

1990

Built

Garage

Pool

About this home

Palm Coast

Some homes check boxes; this one changes how you live. Reimagined 3BR/2.5BA Lake Forest townhome near the beach & golf features dramatic soaring ceilings, open loft views, fresh paint, & new wood-look LVP floors beneath smooth, scraped ceilings. The designer kitchen boasts high-end granite, a sleek glass backsplash, & premium white-glass Samsung Bespoke appliances. Enjoy a rare 1st-floor primary suite with an updated granite vanity, custom closet built-ins, & a charging station hub. Upstairs, there are 2 large bedrooms with a Jack-and-Jill bath. Ultimate mechanical peace of mind with a NEW 17-SEER A/C (Oct 2025) & new water heater. Relax in the enclosed Florida room or the newly paved, fenced, & landscaped private backyard courtyard patio. Low-maintenance luxury: monthly fee fully covers water, trash, cable TV, high-speed internet, pest control, & roof, exterior paint, and grounds maintenance. Move-in ready!

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,521

Principal & Interest: $1,521

Insurance (est.): $197

Estimated Total Monthly

$1,718

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,521

HOAbilled monthly$440

Estimated total, before insurance$1,961/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,695/yr · $141/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): $1,695/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 1990)

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: ~1,785 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 16, 2026Active$295,000
Jul 13, 2026Listed$295,000

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

Features

Price$295,000

Price / Sq Ft$214

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,381

Total Structure Area1,848 sq ft

Acres0.09 acres

Year Built1990

TypeResidential

Sub-TypeTownhouse

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOld Kings

MiddleIndian Trails

HighMatanzas

Community Information

Address56 Lake Forest Place, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionLake Forest

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size3,920.4 sq ft

Parcel Number0711317008001600440

ZoningResidential

Amenities

AmenitiesMaintenance Grounds, Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, Lower Level, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)