95 PROVIDENCE LANE, PALM COAST, FL, 32164
Active131 days on marketListed Mar 16, 2026MLS #FC316893
About this home
95 PROVIDENCE LANE
New Construction concrete block duplex located on a corner lot with great cub appeal. Enjoy enhanced privacy as the entrance to each unit faces separate street frontage. Thoughtfully built with premium finishes and meticulous attention to detail, this property is the prefect blend of modern comfort, style and functionality. Exceptional open concept floor plan with gorgeous ceramic tile floors throughout, upgraded light fixtures, each unit offers 1,199 sqft of living space, three bedrooms, two full baths and one car garage with laundry hookups available . The garage boasts beautiful epoxy floors and remote opener. The kitchens are equipped with modern stainless steel appliances including refrigerators, stove, microwave and dishwashers, back-splash, amble cabinetry and elegant granite counter-tops. Sliders open to a covered porch. The master suite has a walk in closet and ensuite bath that features a granite countertops vanity and a walk in shower with glass shower doors and tile that extends to the ceiling. The secondary bedrooms and bathroom on side A are privately tucked away. Second bath also features granite vanities and tub with surrounded tiles walls. Seize this wonderful opportunity to purchase this custom duplex-for larger families can be used as a multi-generational home, or live on one side and rent the other side or purchase it as an investment property that can offer long or short rental options. Conveniently located within short distance to highly regarded schools: 1.8 miles to Wadsworth Elementary and 1.9 miles to Buddy Taylor Middle school. Close to shopping: 3.5 miles to Publix Belle Terre, and Aldi's , 5 miles to BJ'S Wholesale Club and much more shopping along route 100. Close to medical offices and 4 miles to Advent Health Hospital. Enjoy the Atlantic Beach- 9.2 miles to Flagler Beach. Near by walking/jogging Trails. Quick access to I-95 for an easy commute North to historic Saint Augustine ( 30 min.) or South to Daytona Beach ( 30 min. ). Schedule your private showing today!!
Facts & features
The home at a glance
12
Bedrooms
2,398
Sqft
0.23 ac
Lot size
1
Garage
2026
Year built
$236
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.
$3,496 /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
$3,496/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.
$/sqft vs PALM COAST SEC 24
$236 vs $209
Days on market
131 vs 47 typical
Where $236/sqft sits among the 22 homes for sale in PALM COAST SEC 24
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 Belle Terre
Get to know Palm Coast. See the full Palm Coast guide →
Belle Terre — neighborhood snapshot
Population
5,687
Median age
48
Median income
$62,936
Median home value
$295,367
Avg household
3
Households w/ children
517
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)
8 of 22
PALM COAST SEC 24 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 66% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 95 PROVIDENCE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$405,500
5 PRINCE KAAREL LANE · same community
4 bd · 2 ba · 2,447 sqft · $166/sqft · 13 DOM
Sold · Jun ’26$500,000
4 PROVIDENCE LANE · same community
3 bd · 3 ba · 2,298 sqft · $218/sqft · 5 DOM
Sold · Jul ’26$270,000
39 PRINCESS DOLORES LANE · same community
3 bd · 2 ba · 2,036 sqft · $133/sqft · 146 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 95 PROVIDENCE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 95 PROVIDENCE 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
95 PROVIDENCE LANE FAQs
What would the monthly payment be for 95 PROVIDENCE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,496/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 95 PROVIDENCE LANE?+
The most recent tax bill on record (2025) was $909. 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 $565,000, 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 95 PROVIDENCE LANE?+
Lewis E. Wadsworth Elementary (elementary), Buddy Taylor Middle School (middle), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$565,000 runs 66% above the PALM COAST 32164 median — but at 2,398 sqft it's also 27% larger than the typical Palm Coast listing.
02Time on market is leverage
131 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $585,000, now $565,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER PREMIER PROPERTIES · Ana Medeiros. MLS #FC316893.
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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