77 FREEPORT LANE, PALM COAST, FL, 32137
Active12 days on marketListed Aug 17, 2026MLS #FC320722
Come see it
Upcoming open house
Sat, Aug 29
12:00 PM – 2:00 PM
About this home
77 FREEPORT LANE
Virtually Staged. All highest & best offers due Monday 8/31 5pm. Welcome to 77 Freeport Lane—a fully updated, turnkey 3-bedroom, 2-bathroom single-family home in Palm Coast’s desirable F-Section. Listed at $299,900 with ZERO HOA fees, this home is the ultimate single-family alternative to local condos. Why pay $400+ per month in non-refundable HOA dues when you can own a private, solid concrete block (CBS) home with an expansive, fully fenced yard and keep over $5,000 a year in your pocket? Solid concrete block construction and major infrastructure updates deliver maximum insurance discounts and structural peace of mind: situated high and dry in Flood Zone X (no mandatory flood insurance), a 2018 metal roof, an efficient 2018 Carrier HVAC system, and an oversized 12x28 attached workshop garage with a 2023 reinforced garage door and 2025 Chamberlain smart opener. Step inside to a light-filled floor plan framed by soaring vaulted ceilings and continuous porcelain tile throughout—100% carpet-free and pet-friendly. At the center of the home, a European-inspired kitchen features sleek flat-panel KraftMaid cabinetry, solid Caesarstone quartz countertops, and a full-height marble backsplash. Both bathrooms offer a spa-like experience with custom-tiled showers, modern vanities, and anti-fog LED backlit mirrors. Low-maintenance landscaping and newly installed drought-tolerant sod keep utility bills down and give you your weekends back. Located just minutes from pristine beaches, local dining, shopping, and quick I-95 access. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.23 ac
Lot size
1
Garage
1982
Year built
One
Levels
$223
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.
$2,340 /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
$2,340/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
+16.9%
$/sqft vs PALM HARBOR
$223 vs $238
Days on market
12 vs 48 typical
Where $223/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
$355K → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
12 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 20% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 77 FREEPORT LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$365,000
11 FLAT ROCK LANE · same community
3 bd · 2 ba · 1,514 sqft · $241/sqft · 165 DOM
Sold · Jan ’26$385,000
127 FORRESTER PLACE · same community
3 bd · 2 ba · 1,572 sqft · $245/sqft · 10 DOM
Sold · Mar ’26$365,000
14 FRENORA LANE · same community
3 bd · 2 ba · 1,588 sqft · $230/sqft · 111 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 77 FREEPORT LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 77 FREEPORT LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
77 FREEPORT LANE FAQs
What would the monthly payment be for 77 FREEPORT LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,340/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 77 FREEPORT LANE?+
The most recent tax bill on record (2025) was $3,383. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 77 FREEPORT LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $299,900, this home is listed about 25% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 77 FREEPORT LANE?+
Indian Trails Middle School (middle), Matanzas High School (high), 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 FLORIDA HOMES REALTY & MORTGAGE · Nadia Alkaysey. MLS #FC320722.
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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