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Active

$449,9904 bd · 3 ba · 2,394 sq ft

Active·58 days on market

23 Geosam Drive

Palm Coast, FL 32137

$449,990$188/sqftEst. $2,453/mo mortgageMLS# 2164606
↓ $58,185 below original list
4
Beds
3
Baths
2,394
Sq Ft
2027
Built
2
Garage
No
Pool
FEMA Zone XHOA $17/mo6,534 sqft lotWaterfrontSingle Family Residence1 storyNew construction

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palm Coast

What's Special: Appliances & Blinds Included | Pond View | 3 Full Baths. New Construction - January Completion! Built by America's Most Trusted Home Builder. Welcome to the Havana at 23 Geosam Drive in Colbert Landings! This thoughtfully designed home blends open-concept living with everyday convenience and flexible spaces. At the heart of the home, the spacious great room flows into the casual dining area and kitchen. The private primary suite is located at the rear of the home and includes a luxurious bath, walk-in closet, and a convenient access to the laundry room directly from the closet. Three secondary bedrooms with two shared full bathrooms and a flex room are situated towards the front. The covered lanai extends the living space outdoors and allows you to enjoy the Florida weather. Ideally located east of I-95, this community offers quick access to beaches, the Matanzas River, and nearby dining and retail.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,453
HOAbilled annually$17
Estimated total, before insurance$2,470/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$449,990
$89,998
Loan Term
Monthly Payment
$2,453
Principal & Interest: $2,453
Insurance (est.): $300
Estimated Total Monthly
$2,753
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 2027)

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

Krista can connect you with local insurance quotes before you make an offer.

As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 6:45 AM, sunset 5:32 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Nov 3, 2026Price change$449,990−$39,000
  • Oct 2, 2026Price change$488,990−$19,185
  • Sep 12, 2026Listed$508,175

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 $198/sq ft; this home is listed at $188/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
21 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLANov 2026$430,000$2044/22,1131270
15 Geosam Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLASep 2026$485,057$2304/22,113110
78 Ararat Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$351,990$1914/31,8421170.1
70 Ararat Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYOct 2026$363,990$1984/31,842720.1
39 Oconee Drive, Palm Coast, FL 32137Listed by TAYLOR MORRISON REALTY OF FLAOct 2026$373,145$1823/22,055370.1
69 Ararat Drive, Palm Coast, FL 32137Listed by MERITAGE HOMES OF FLORIDA REALTYSep 2026$385,990$1764/32,19280.1

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$449,990
Price / Sq Ft$188
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,394
Acres0.15 acres
Year Built2027
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes
Direction FacesNortheast

School Information

ElementaryOld Kings
MiddleBuddy Taylor
HighFlagler Palm Coast

Community Information

Address23 Geosam Drive, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionColbert Landings
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size6,534 sq ft
Lot Dimensions50X130
Parcel Number0312311125000000710
ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Jogging Path, Pickleball, Playground
Community FeaturesSidewalks, Street Lights
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesButler Pantry, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionFrame, Wood Siding
Road SurfacePaved

Additional Information

Date ListedSeptember 12, 2026
Days on Market58
HOA Fees$203 / Annually
HOA FrequencyAnnually
HOA NameColbert Landings
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: TAYLOR MORRISON REALTY OF FLA

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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