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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

$385,0003 bd · 2 ba · 1,955 sq ft

Active·3 days on market

40 Westglen Lane

Palm Coast, FL 32164

$385,000$197/sqftEst. $2,099/mo mortgageMLS# 2172773
3
Beds
2
Baths
1,955
Sq Ft
2001
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 to the beautifully maintained 3 bedroom, 2 bath home in Palm Coast! Built to last with Concrete Block and recently painted! An Open Floor Plan, high ceilings, and tile flooring create a bright, spacious feel that's perfect for everyday living and entertaining. The kitchen features Granite Countertops and Stainless Steel Appliances, while the bathrooms are recently remodeled with walk in showers. Step outside to enjoy the backyard from the comfort of the covered porch and enjoy the outdoor grilling kitchen or unwind in the Hot Tub. With inviting indoor spaces and outdoor room to relax, this home is ready for you to make it your own.

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$2,099
Estimated total, before insurance$2,099/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,914/yr · $159/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

$385,000
$77,000
Loan Term
Monthly Payment
$2,099
Principal & Interest: $2,099
Insurance (est.): $257
Estimated Total Monthly
$2,356
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2001)

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

Solar potential: ~1,786 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 November 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

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:45 AM, sunset 5:33 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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): $1,914/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 7, 2026Listed$385,000

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 $181/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
3 Woodfalon Place, Palm Coast, FL 32164Listed by COLDWELL BANKER BEN BATES INCNov 2026$207,000$1473/21,412330.5
3 Westrobin Place, Palm Coast, FL 32164Listed by CENTURY 21 INTEGRAOct 2026$368,000$2113/21,748490.5
24 Westfalls Lane, Palm Coast, FL 32164Listed by LANTERN REALTY, LLC.Sep 2026$299,500$1993/21,504710.5
61 Woodfield Drive, Palm Coast, FL 32164Listed by COLDWELL BANKER VANGUARD REALTYOct 2026$409,900$1684/32,43540.6
23 Westfield Lane, Palm Coast, FL 32164Listed by HERRON REAL ESTATE LLCSep 2026$270,000$1583/21,7132890.6
14 Woodworth Drive, Palm Coast, FL 32164Listed by REAL BROKER LLCSep 2026$414,900$1815/32,286120.8

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.

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$385,000
Price / Sq Ft$197
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,955
Acres0.23 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

This listingNo schools reported in the MLS
ElementaryRymfire, reported on 16 other Palm Coast listings
MiddleIndian Trails, reported on 19 other Palm Coast listings
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address40 Westglen 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 Number0711317022001300390

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Refrigerator, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Rear Porch
FencingBack Yard, Vinyl
RoofShingle
ConstructionBlock, Concrete, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 7, 2026
Days on Market3
Tax Amount$1,913.58
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

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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