Active·51 days on market
43 Lagoon Way
Palm Coast, FL 32137

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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
2 DOWN PAYMENT ASSISTANCE MAY BE AVAILABLE IF YOU QUALIFY! This well-maintained home offers a functional floor plan and comfortable living in a desirable 55+ community in Palm Coast. Enjoy easy access to shopping, dining, parks, schools, and local amenities. A home warranty is included with the sale for added peace of mind. Whether you're searching for a primary residence, second home, or investment property, this home offers a great opportunity to enjoy the Florida lifestyle!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: 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: ~1,780 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 homeAs of August 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Fort Matanzas south accessabout 7 mi · 40 parking spaces
Closest park or preserve
Pellicer Creek Conservation Areaabout 2 mi · 3.7 mi of trails
Closest public boat ramp
Bing's Landing Boat Rampabout 3 mi · Atlantic ICW (Flagler County) Matanzas River
Closest kayak & paddleboard launch
Bing's Landing Primitive Kayak Launch Beachabout 3 mi · Atlantic ICW (Flagler County) Matanzas River
Closest youth league fields
Gamble Rogers School Fieldsabout 12 mi · Soccer
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $2,949/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
- Sep 24, 2026Price change$400,000−$10,000
- Sep 8, 2026Price change$410,000−$15,000
- Aug 27, 2026Listed$425,000
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 $209/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12 Lansing Lane, Palm Coast, FL 32137Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $415,000 | $209 | 3/2 | 1,982 | 61 | 0.4 |
| 43 Langdon Drive, Palm Coast, FL 32137Listed by MAXREV, LLC | Sep 2026 | $425,000 | $211 | 4/2 | 2,014 | 139 | 0.5 |
| 15 Bud Shire Lane, Palm Coast, FL 32137Listed by EAZ REALTY LLC | Aug 2026 | $347,500 | $223 | 3/2 | 1,555 | 89 | 0.6 |
| 28 Bud Shire Lane, Palm Coast, FL 32137Listed by LENNAR REALTY INC | Jul 2026 | $283,494 | $191 | 3/2 | 1,484 | 50 | 0.6 |
| 30 Bud Shire Lane, Palm Coast, FL 32164Listed by LENNAR REALTY INC | Jul 2026 | $310,994 | $171 | 4/2 | 1,821 | 19 | 0.7 |
| 44 Leidel Drive, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATION | Jul 2026 | $450,000 | $190 | 4/2.5 | 2,363 | 15 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MARK SPAIN REAL ESTATE
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.
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Krista Fracke
Broker Associate
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