23 FRANCIS LANE, PALM COAST, FL, 32137
Active27 days on marketListed Jul 6, 2026MLS #FC319743
About this home
23 FRANCIS LANE
Be the first to call this stunning brand-new home your own! Beautifully designed 4-bedroom home featuring 3 spacious bedrooms plus a versatile flex room. The flex room can easily serve as a home office, den, formal dining room, or media room to fit your lifestyle. The open-concept floor plan features elegant tray ceilings, a spacious living area, and a chef-inspired kitchen with a large island, granite countertops, stainless steel appliances, 42-inch soft-close cabinetry, and abundant storage. Luxury Vinyl Plank flooring flows throughout the home, combining modern style with durability and easy maintenance. The private primary suite offers dual walk-in closets, double vanities, a walk-in shower, and a relaxing soaking tub. Enjoy the lanai and a spacious backyard with plenty of room to add a future pool. Additional highlights include an indoor laundry room and an oversized garage. Conveniently located near shopping, dining, parks, walking and biking trails, medical facilities, and just minutes from Flagler Beach. No HOA.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,912
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$295
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.
$3,498 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,498/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+51.9%
$/sqft vs PALM HARBOR
$295 vs $241
Days on market
27 vs 47 typical
Where $295/sqft sits among the 22 homes for sale in PALM HARBOR
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)
13 of 22
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% 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 23 FRANCIS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,700,000
7 PALM HARBOR DRIVE · same community
3 bd · 2 ba · 1,938 sqft · $877/sqft · 88 DOM
Sold · Feb ’26$499,000
16 S CLAYMONT COURT S · same community
3 bd · 2 ba · 1,993 sqft · $250/sqft · 191 DOM
Sold · Aug ’25$335,000
104 FOXHALL LANE · same community
3 bd · 2 ba · 1,815 sqft · $185/sqft · 45 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 23 FRANCIS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23 FRANCIS 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
23 FRANCIS LANE FAQs
What would the monthly payment be for 23 FRANCIS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,498/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 23 FRANCIS LANE?+
The most recent tax bill on record (2025) was $994. 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 $564,000, this home is listed about 43% 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 23 FRANCIS 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.
Keep looking
Similar homes nearby
Listing courtesy of APEX REALTY LLC · Elena Tchoumakova. MLS #FC319743.
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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