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Active·2 days on market

23 Priory Lane

Palm Coast, FL 32164

$445,000$121/sqftEst. $2,465/moMLS# 2166746
4
Beds
2.5
Baths
3,679
Sq Ft
2005
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotSingle Family Residence2 stories

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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

Welcome to 23 Priory Lane, a beautifully maintained concrete block home offering an impressive 3,679 square feet of living space with 4 bedrooms and 2.5 bathrooms. This home combines generous room sizes, thoughtful updates, and peace of mind with major improvements already completed. Inside, you'll find new flooring in the front rooms, updated ceiling fans, and a remodeled guest bathroom that adds modern style and functionality. The well-appointed kitchen features a new refrigerator, and all appliances convey, making your move even easier. Comfort is enhanced with a recently replaced HVAC unit, while a new water heater installed in 2025 and a new roof in 2024 provide significant value and long-term confidence. The spacious floor plan offers flexibility for entertaining, working from home, multi-generational living, or simply spreading out and enjoying everyday life. Large living areas provide plenty of room for gatherings, while the generous

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,465
Estimated total, before insurance$2,465/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,005/yr · $584/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

$445,000
$89,000
Loan Term
Monthly Payment
$2,465
Principal & Interest: $2,465
Insurance (est.): $297
Estimated Total Monthly
$2,762
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,745 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 home

As of October 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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real pool sun without the western afternoon heat.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,005/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

  • Oct 8, 2026Active$445,000
  • Sep 24, 2026Listed$445,000

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 $126/sq ft; this home is listed at $121/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1 Pineland Lane, Palm Coast, FL 32164Listed by REMAX SELECT PROFESSIONALSJun 2026$440,000$1115/4.53,9801000.4
37 Ryder Drive, Palm Coast, FL 32164Listed by ROUND TABLE REALTYJun 2026$400,000$1415/32,836282.4
22 Richfield Lane, Palm Coast, FL 32164Listed by MARK SPAIN REAL ESTATEJul 2026$325,000$1264/22,575272.8

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

Price$445,000
Price / Sq Ft$121
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,679
Acres0.23 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorthwest

School Information

ElementaryWadsworth
MiddleBuddy Taylor

Community Information

Address23 Priory Lane, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size10,018.8 sq ft
Parcel Number0711317024002600170
ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, On Street

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air, Split System, Zoned
FlooringTile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchCovered, Patio, Rear Porch, Screened
FencingBack Yard, Vinyl
RoofShingle
ConstructionBlock
Road SurfaceAsphalt

Additional Information

Date ListedOctober 8, 2026
Days on Market2
Tax Amount$7,004.87
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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