
40 FRANCISCAN LANE, PALM COAST, FL, 32137
Active203 days on marketListed Jan 3, 2026MLS #FC314923
About this home
40 FRANCISCAN LANE
Positioned within one of Palm Coast’s most established enclaves, this refined pool residence at 40 Franciscan Lane offers a polished expression of Florida living—where volume, light, and livability converge across 2,893 square feet of thoughtfully designed interior space. From the moment of entry, soaring ceilings and expansive sightlines establish an immediate sense of openness, with natural light carrying effortlessly through the home’s interconnected living and dining areas. The kitchen serves as a central gathering point, appointed with a functional island, stainless steel appliances, a gas range, and generous cabinetry—balancing culinary performance with everyday ease. The private primary suite is generously scaled, offering a quiet retreat complete with a well-appointed ensuite bath and walk-in closet. Secondary bedrooms provide flexibility for guests, workspace, or multigenerational living. Outdoors, a screened lanai extends the living experience into a resort-style setting anchored by a sparkling pool and framed by mature landscaping, creating a sense of privacy and calm suited for year-round enjoyment. Additional enhancements include a central vacuum system, whole-house water softener, hurricane protection shutters, a fireplace, and a two-car garage—delivering a well-rounded blend of comfort, efficiency, and peace of mind. The property also benefits from a whole-house reverse osmosis system and is offered with no HOA restrictions, enhancing long-term flexibility. Ideally situated just minutes from the Atlantic coastline and pristine area beaches, this residence offers the rare advantage of coastal proximity while maintaining the privacy and ease of an established residential setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,893
Sqft
0.26 ac
Lot size
2
Garage
1995
Year built
One
Levels
$183
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,985 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,985/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−17.9%
$/sqft vs PALM COAST SEC 07
$183 vs $203
Days on market
203 vs 47 typical
Where $183/sqft sits among the 11 homes for sale in PALM COAST SEC 07
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
6 of 11
PALM COAST SEC 07 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 40 FRANCISCAN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$355,000
155 FORRESTER PLACE · same community
3 bd · 2 ba · 2,487 sqft · $143/sqft · 26 DOM
Sold · Jun ’26$370,000
6 FOXHALL COURT · same community
4 bd · 3.5 ba · 2,344 sqft · $158/sqft · 2 DOM
Sold · Feb ’26$399,000
31 FREEMAN LANE · same community
3 bd · 2.5 ba · 2,098 sqft · $190/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 40 FRANCISCAN LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 40 FRANCISCAN LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
40 FRANCISCAN LANE FAQs
What would the monthly payment be for 40 FRANCISCAN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,985/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 40 FRANCISCAN LANE?+
The most recent tax bill on record (2025) was $5,725. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Palm Coast?+
At $529,000, this home is listed about 34% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 40 FRANCISCAN LANE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$529,000 runs 39% above the PALM COAST 32137 median — but at 2,893 sqft it's also 54% larger than the typical Palm Coast listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
203 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $539,000, now $529,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Donald Seward. MLS #FC314923.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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