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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

Active·13 days on market

7 Carr Lane

Palm Coast, FL 32137

$370,000$251/sqftEst. $2,033/mo mortgageMLS# 2168829
3
Beds
2
Baths
1,476
Sq Ft
1972
Built
2
Garage
No
Pool
FEMA Zone XNo HOA12,632 sqft lotSingle Family Residence1 story

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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

Investment Opportunity in Palm Coast! This 3-bedroom, 2-bathroom home offers an excellent opportunity for investors seeking income potential, with a long-term tenant already in place. Situated on a corner lot spanning over a quarter acre, this property features an open floorplan designed for comfortable living and an updated kitchen with ample cabinetry and drawers, stainless steel appliances, and a center island providing additional prep space and seating for casual meals. The spacious primary suite features sliding glass doors leading to the covered rear patio, while two additional bedrooms and a full bathroom provide flexibility for family members, guests, or a home office. Enjoy Florida's outdoor lifestyle from the covered and screened rear porch, perfect for relaxing in the fresh air. Major updates include a new roof in 2022 and a new HVAC system in 2025, offering added peace of mind.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,033
Estimated total, before insurance$2,033/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,736/yr · $311/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

$370,000
$74,000
Loan Term
Monthly Payment
$2,033
Principal & Interest: $2,033
Insurance (est.): $247
Estimated Total Monthly
$2,280
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 — 2022 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: ~1,754 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.

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): $3,736/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 12, 2026Listed$370,000

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 $193/sq ft; this home is listed at $251/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
39 Crompton Place, Palm Coast, FL 32137Listed by WHOLESALE REALTY LLCMar 2026$156,500$1063/21,483130.5
1 Farrington Lane, Palm Coast, FL 32137Listed by FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENTJul 2026$255,000$1932/21,3181340.7
15 Felter Lane, Palm Coast, FL 32137Listed by DJ & LINDSEY REAL ESTATEDec 2025$315,000$1863/21,694150.8
34 Felter Lane, Palm Coast, FL 32137Listed by WATSON REALTY CORPORATIONOct 2026$260,000$1653/21,5781370.9
41 Blakeport Lane, Palm Coast, FL 32137Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORKApr 2026$264,000$2120/21,246160.9
12 Ferris Lane, Palm Coast, FL 32137Listed by NON MLS (realMLS)Apr 2026$287,500$1992/21,44300.9

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$370,000
Price / Sq Ft$251
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,476
Acres0.29 acres
Year Built1972
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryOld Kings, reported on 10 other Palm Coast listings
MiddleIndian Trails, reported on 12 other Palm Coast listings
HighMatanzas, reported on 12 other Palm Coast listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address7 Carr Lane, Palm Coast, FL 32137
Area601-Flagler County-North Central
SubdivisionPalm Coast
CityPalm Coast
CountyFlagler
StateFL
Zip Code32137
Lot Size12,632.4 sq ft
Lot Dimensions100x125x100x125
Parcel Number0711317008000500140

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Lot DescriptionCorner Lot
RoofShingle
Road SurfacePaved

Additional Information

Date ListedOctober 12, 2026
Days on Market3
Tax Amount$3,735.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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