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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$405,0004 bd · 2 ba · 1,735 sq ft

Active·9 days on market

47 Barkley Lane

Palm Coast, FL 32137

$405,000$233/sqftEst. $2,208/mo mortgageMLS# 2165089
↓ $10,000 below original list
4
Beds
2
Baths
1,735
Sq Ft
2004
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence1 story

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

Welcome home, where comfort, space, and Florida living come together! This inviting 4-bedroom, 2-bath home offers a flexible layout with room for everyone, including space for a home office, guest room, or playroom. Enjoy added peace of mind with an A/C system installed just one year ago, new gutters, and a fresh coat of paint. Open the multi-slide patio doors and extend your living space into the screened-in patio, perfect for morning coffee, entertaining friends, or relaxing on peaceful Florida evenings. Step outside to a fully fenced backyard with mature fruit trees, offering privacy and plenty of space for pets, gardening, cookouts, and family gatherings. Conveniently located close to schools, shopping, dining, parks, and everyday necessities. The comfortable indoor spaces flow beautifully into the outdoor living areas, giving you more ways to relax and entertain. With recent updates already completed, this home is ready for its next owner. Schedule your showing today!

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$2,208
Estimated total, before insurance$2,208/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,860/yr · $322/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$405,000
$81,000
Loan Term
Monthly Payment
$2,208
Principal & Interest: $2,208
Insurance (est.): $270
Estimated Total Monthly
$2,478
*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: material not specified — year not disclosed (home built 2004)

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: ~1,722 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.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,860/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

  • Nov 1, 2026Active$405,000
  • Nov 1, 2026Withdrawn$405,000
  • Oct 17, 2026Price change$405,000−$5,000
  • Sep 26, 2026Price change$410,000−$5,000
  • Sep 16, 2026Listed$415,000

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 $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
23 Barkley Lane, Palm Coast, FL 32137Listed by HOMESMARTOct 2026$400,000$2123/21,883200.2
23 Banner Lane, Palm Coast, FL 32137Listed by EAZ REALTY LLCOct 2026$377,000$2094/21,8001700.4
8 Bannbury Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$319,900$1564/22,0522360.4
29 Bunker Lane, Palm Coast, FL 32137Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$286,000$1973/21,449360.7
36 Brockton Lane, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORKNov 2026$364,900$1933/21,8901630.8
13 Farnum Lane, Palm Coast, FL 32137Listed by EAZ REALTY LLCOct 2026$385,830$2483/21,555151.1

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$405,000
Price / Sq Ft$233
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,735
Acres0.23 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryBelle Terre, reported on 2 other Belle Terre listings
MiddleIndian Trails, reported on 2 other Belle Terre listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address47 Barkley Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionBelle Terre
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size10,018.8 sq ft
Parcel Number0711317012001900080

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Water Heater, ENERGY STAR Qualified Dryer, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric, Free Standing
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCleared, Many Trees
Patio / PorchPatio, Rear Porch, Screened
FencingBack Yard

Additional Information

Date ListedNovember 1, 2026
Days on Market9
Tax Amount$3,859.65
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PLUM TREE REALTY LLC

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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