Pending·20 days on market
14 Fort Caroline Lane
Palm Coast, FL 32137
About this home
Palm Coast
Tired of cookie cutter homes? You will love the unique features of this beautiful POOL home and neighborhood. This home has personality, as one of my buyers said to me. ''This home speaks to me''. Move in ready with many improvements made in the last three years, NEW ROOF, COMPLETE POOL RENOVATION OF RESURFACE, CUSTOM PAVERS, TILE, COPING, CAGE, LIGHTING, VINYL PRIVACY FENCE, SOLAR PANELS FOR THE POOL, NEW WATER HEATER, FRONT COURTYARD WITH PAVERS, EXTERIOR PAINTED WITH NEW GUTTERS, 2 STORAGE SHEDS. No worries about deferred maintenance as you move in and immediately enjoy the pool and surrounding landscape on this oversized corner lot with many mature trees. This home gives you a happy feeling from the moment you enter the front courtyard with the colorful landscape. This one level home lives large with a split floor plan, three bedrooms, a large flex room, formal dining room, eat in kitchen, updated primary bathroom with walk in shower and all solid surface flooring throughout the
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: Shingle — year not disclosed (home built 1982)
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: ~1,499 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,559/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 6, 2026Pending$419,500
- Aug 30, 2026Listed$419,500
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORPORATION · sskibo@watsonrealtycorp.com
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.
Keep looking
More homes in Not Validd
For Sale1057 Welda LaneJacksonville, FL 32221
5 bd · 2.5 ba · 2,068 sq ft
$427,700Est. $2,276/moPre-Construction. To Be Built. Experience The Lexington in Cassie Oaks, an intimate community of just 24 homesites…
Listing Office: new home star florida llc
For Sale43 Lagoon WayPalm Coast, FL 32137
2 bd · 2 ba · 1,905 sq ft
$410,000Est. $2,182/moWelcome to 43 Lagoon Way in Palm Coast! This well-maintained home offers comfortable living with a functional floor…
Listing Office: mark spain real estate
For Sale490 Pine Woods RoadOrmond Beach, FL 32174
3 bd · 2 ba · 1,404 sq ft
$429,000Est. $2,283/moEscape to peaceful country living on a private 2.16-acre corner lot shaded by beautiful canopy oaks, complete with a…
Listing Office: mark spain real estate
For Sale1046 Welda LaneJacksonville, FL 32221
4 bd · 3 ba · 2,298 sq ft
$399,900Est. $2,128/moPre-Construction. To Be Built. Introducing The Lancaster, a beautifully crafted two story home from the prestigious…
Listing Office: new home star florida llc
Keep looking
Similar homes in Palm Coast
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines