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23 POINCIANA Lane, Palm Coast, FL, 32164

4beds
3baths
2,553sqft
$859,900
$337price/sqft
$6,332/moest. monthly cost
$253,280/yrincome needed

About This Home

Built in 2022, this custom 4-bedroom, 3-bath home offers modern design, an open layout, and premium finishes throughout. The main living area features vaulted ceilings, a spacious great room, and a contemporary kitchen with GE Profile appliances, upgraded cabinetry, and an oversized island. A standout feature of the property is the 1,800-sq-ft insulated, climate-controlled garage/workshop footprint with 12-ft ceilings, a drive-through bay, split-system AC, and extensive storage options--ideal for specialty vehicles, equipment, or hobby use. The home sits on a double lot totaling 20,608 sq ft, providing added space and privacy. Outdoor living includes a screen-enclosed pool with direct bathroom access, a fenced yard, and irrigation supplied by a private well. Additional features include a whole-house generator, hurricane shutters, water treatment system, and full gutters. Located in a quiet residential area with convenient access to local amenities, this property combines modern construction, functional upgrades, and exceptional garage/workspace capacity.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
55
BikeBikeable

Schools

7/10
Rymfire Elementary SchoolGrades PK-52.3 mi
4/10
4/10

Construction

Condition

  • Year built: 2022

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer,Water Softener Owned

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Heating & Cooling

  • Heating features: Central,Electric,Heat Pump
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,958
  • Total interior livable area: 2,553 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 0711317028007500120
  • Attached to another structure: Yes

Features

  • Stories: 1
  • Pool features: In Ground,Heated,Other

Parking

  • Total spaces: 5
  • Parking features: Other,Additional Parking,Garage Door Opener,Off Street
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Heat Wave
Inland Flooding
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Flagler County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,348$52,176
Home Insurance *$573$6,876
Property Taxes $1,155$13,860
Electricity $256$3,083
Total$6,332$75,984
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$217,097/yr
40% on housing$189,960/yr
45% on housing$168,853/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$337This listing

vs Other Active Listings

Avg $/sqft

ZIP 32164$175
Flagler County$228

vs Homes Sold Last Month

Median $/sqft

ZIP 32164$185
Flagler County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$859,900
2026-04-17Listed for sale$860,000
2020-09-23Sold$25,000
2019-12-20Listed for sale$25,000
2002-12-21Sold$14,500

For Sale by Agent

AgentSTEPHEN HACHEY
BrokerageLOWEST FEE REALTY LLC

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