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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

$359,9004 bd · 2.5 ba · 1,772 sq ft

Active·54 days on market

9 Big Bear Lane

Palm Coast, FL 32137

$359,900$203/sqftEst. $1,962/mo mortgageMLS# 2165126
↓ $20,000 below original list
4
Beds
2.5
Baths
1,772
Sq Ft
2005
Built
2
Garage
Yes
Pool
FEMA Zone XNo HOASingle 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

Motivated seller, bring all offers! POOL HOME + LARGE LOT + RECENT UPDATES! Welcome to 9 Big Bear Lane in Palm Coast! This spacious 4-bedroom, 2-bath home with an additional pool bath delivers the Florida lifestyle buyers are looking for. Dive into your sparkling screened-in pool, featuring a new pool surface and new pool pump, and enjoy added privacy with new vinyl fencing. The generously sized lot provides plenty of space to relax, entertain, and enjoy the outdoors. With four bedrooms, ample living space, and desirable updates already completed, this home is ready for its next chapter. Bring your swimsuit and come see why 9 Big Bear Lane deserves a spot at the top of your list!

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$1,962
Estimated total, before insurance$1,962/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

$359,900
$71,980
Loan Term
Monthly Payment
$1,962
Principal & Interest: $1,962
Insurance (est.): $240
Estimated Total Monthly
$2,202
*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 2005)

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: ~1,776 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.

History

Price & status history

  • Oct 22, 2026Price change$359,900−$10,000
  • Sep 30, 2026Price change$369,900−$10,000
  • Sep 16, 2026Listed$379,900

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 $203/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
29 Bunker Lane, Palm Coast, FL 32137Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$286,000$1973/21,449360.3
2 Birdseye Place, Palm Coast, FL 32137Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$305,000$1753/21,744970.7
23 Barkley Lane, Palm Coast, FL 32137Listed by HOMESMARTOct 2026$400,000$2123/21,883200.8
23 Banner Lane, Palm Coast, FL 32137Listed by EAZ REALTY LLCOct 2026$377,000$2094/21,8001701
52 Buttonworth Drive, Palm Coast, FL 32137Listed by EXP REALTY LLCOct 2026$325,000$1623/22,01251
28 Fielding Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATIONSep 2026$455,000$2583/21,76331

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$359,900
Price / Sq Ft$203
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,772
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryBelle Terre, reported on 18 other Palm Coast listings
MiddleIndian Trails, reported on 22 other Palm Coast listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address9 Big Bear Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Parcel Number071131703501470-0170

Amenities

UtilitiesElectricity Connected, Sewer Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 16, 2026
Days on Market54
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: VREELAND REAL ESTATE 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines