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Active·31 days on market

21 Rocking Lane

Palm Coast, FL 32164

$397,000$168/sqftEst. $2,043/moMLS# 2155424

Beds

Baths

2,363

Sq Ft

2023

Built

Garage

Pool

About this home

Palm Coast

Beautifully maintained 3 bedroom, 3 bathroom home with over 2,300 square feet and a spacious open floor plan. The large kitchen features an oversized island, walk in pantry, abundant cabinetry, and all appliances, including the washer and dryer. Enjoy Florida living from the oversized screened lanai, perfect for relaxing or entertaining. The three car garage offers plenty of room for vehicles and storage. Additional features include an owned water softener, irrigation system, and an owned solar system that conveys at closing, providing energy efficiency and the opportunity for lower electric bills without a lease. Conveniently located near shopping, dining, parks, golf, beaches, and easy access to both St. Augustine and Daytona Beach. Exceptionally clean and priced to sell. This home has been pre-inspected for buyer peace of mind.

Cost to own

Mortgage calculator

Home Price

$397,000

Down Payment: 20%

$79,400

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,043

Principal & Interest: $2,043

Insurance (est.): $265

Estimated Total Monthly

$2,308

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,043

Estimated total, before insurance$2,043/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,713/yr · $393/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): $4,713/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,779 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