23 BANNER LANE, PALM COAST, FL, 32137
Active93 days on marketListed Apr 23, 2026MLS #FC317876
About this home
23 BANNER LANE
Under Construction. NO ORIGINATION FEES - NO APPLICATION FEES, With our approved lender & $31,000 UPGRADES INCLUDED!! Stunning Caspian Model in Palm Coast – Modern Living at Its Finest . Welcome to this beautifully designed 4-bedroom, 2-bath Caspian home located in the desirable Palm Coast area. Featuring 9’4” ceilings, this home offers an open and airy feel throughout, enhancing both space and natural light. The thoughtfully designed floor plan showcases luxury vinyl plank flooring throughout, combining durability with modern style. The kitchen is a true centerpiece, complete with quartz countertops, ample cabinetry, and a layout perfect for both everyday living and entertaining. The spacious primary suite provides a relaxing retreat, while the additional bedrooms offer flexibility for guests, a home office, or growing families. Enjoy the perfect blend of comfort, style, and functionality in a rapidly growing area close to shopping, dining, parks, and Florida’s beautiful beaches. Don’t miss your opportunity to own this exceptional new construction home in Palm Coast!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,800
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$222
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.
$2,746 /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
$2,746/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
+13.4%
$/sqft vs Palm Coast actives
$222 vs $221
Days on market
93 vs 47 typical
Where $222/sqft sits among the 400 Palm Coast actives
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 Indian Trails
Get to know Palm Coast. See the full Palm Coast guide →
Indian Trails — neighborhood snapshot
Population
12,901
Median age
47
Median income
$68,343
Median home value
$282,657
Avg household
3
Households w/ children
1,358
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)
176 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% 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 BANNER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$320,700
6 BAINBRIDGE LANE · same community
4 bd · 2 ba · 1,820 sqft · $176/sqft · 215 DOM
Sold · Mar ’26$395,000
1 BARBERA LANE · same community
4 bd · 2 ba · 1,873 sqft · $211/sqft · 149 DOM
Sold · Jun ’26$418,000
126 BAYSIDE DRIVE · same community
3 bd · 2.5 ba · 1,711 sqft · $244/sqft · 161 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 BANNER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23 BANNER 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 BANNER LANE FAQs
What would the monthly payment be for 23 BANNER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,746/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 BANNER LANE?+
The most recent tax bill on record (2025) was $671. 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 $399,800, this home is listed about 1% 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 BANNER LANE?+
Indian Trails Middle School (middle), Belle Terre Elementary School (elementary), Matanzas High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EAZ REALTY LLC · Mindy Melendez. MLS #FC317876.
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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