42 FRANCIS LANE, PALM COAST, FL, 32137
Pending129 days on marketListed Apr 1, 2026MLS #FC317374
About this home
42 FRANCIS LANE
Discover the perfect blend of space, comfort, and functionality in this beautifully designed pool home built by Everlast in 2023. Offering 4 bedrooms, 3 full bathrooms, and a dedicated office, this home features 2,482 square feet of living space and a highly desirable layout built for both everyday living and entertaining. Step inside to find tile flooring throughout the main living areas, bathrooms, and owner’s suite, with warm wood laminate flooring in the guest bedrooms for added comfort. Thoughtful upgrades are found throughout the home, including 6-inch baseboards, crown molding, paddle fans, custom window treatments, a coffered ceiling, and a tray ceiling in the owner’s suite. The kitchen is thoughtfully appointed with granite countertops, stainless steel appliances, all-wood soft-close cabinetry, under-counter lighting, double kitchen pantries, and crown molding, creating a timeless and upscale feel. Granite countertops continue throughout the home, including in the laundry room, which also features a convenient utility sink. An alarm system adds an extra layer of peace of mind. The open design flows seamlessly to the outdoor living area, where you’ll find a screened-in pool and lanai with pool lights, making this true “pool home” ideal for enjoying the Florida lifestyle. The backyard is fully enclosed with vinyl fencing, offering both privacy and a polished look. Additional highlights include an oversized 3-car garage, an irrigation system, and stucco over concrete block construction with high-density foam insulation for added efficiency and peace of mind. With generous living space, quality finishes, and exceptional outdoor amenities, this home offers the best of Florida living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,482
Sqft
0.23 ac
Lot size
3
Garage
2023
Year built
One
Levels
$250
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.
$4,345 /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
$4,345/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
−11.2%
Days on market
129 vs 49 typical
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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 42 FRANCIS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 42 FRANCIS LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
42 FRANCIS LANE FAQs
What would the monthly payment be for 42 FRANCIS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,345/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 42 FRANCIS LANE?+
The most recent tax bill on record (2025) was $7,286. 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 $619,900, this home is listed about 55% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 42 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.
The brief
Five things that matter here
01Positioned at the premium end
$619,900 runs 61% above the PALM COAST 32137 median — but at 2,482 sqft it's also 31% 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
129 days on market against a Palm Coast median of 49 — 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 $649,900, now $619,900 — a $30K cut. The full history is in the market section below.
Listing courtesy of KOKOMO REALTY LLC · William Yorgey. MLS #FC317374.
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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