12 LAKE FOREST CIRCLE N, PALM COAST, FL, 32137
Active72 days on marketListed May 16, 2026MLS #FC318516
About this home
12 LAKE FOREST CIRCLE N
Welcome home to this beautifully designed 2-bedroom villa offering comfort, functionality, and easy Florida living! The spacious great room and dining room combination is enhanced by soaring vaulted ceilings, creating an open, airy atmosphere perfect for entertaining or everyday relaxation. Natural light fills the home, while skylights in the kitchen and dining area add warmth and brightness throughout the main living spaces. The oversized kitchen features an abundance of cabinet storage and expansive countertop space, along with a charming breakfast nook ideal for morning coffee or casual dining. A convenient pass-through from the kitchen offers the possibility for additional seating, making gatherings effortless and keeping the space connected. The private primary suite provides a peaceful retreat with a large walk-in closet and comfortable layout. Sliding glass doors from the great room open to a spacious covered and screened patio, creating the perfect indoor-outdoor flow for relaxing or entertaining year-round. The backyard offers a nice outdoor setting with plenty of space to enjoy gardening, pets, or simply soaking in the Florida sunshine. With its thoughtful floor plan, bright open spaces, vaulted ceilings, skylights, and inviting outdoor living area, this villa is ready to welcome you home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,219
Sqft
0.09 ac
Lot size
1
Garage
1994
Year built
One
Levels
$212
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 and the real association fee — not generic estimates.
$2,506 /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
$2,506/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.
$/sqft vs Palm Coast actives
$212 vs $218
Days on market
72 vs 47 typical
Where $212/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 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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
180 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 32% 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 12 LAKE FOREST CIRCLE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$288,000
5 CLARK LANE · same community
2 bd · 2 ba · 1,216 sqft · $237/sqft · 66 DOM
Sold · Mar ’26$245,000
88 LAKE FOREST PLACE · same community
2 bd · 2 ba · 1,269 sqft · $193/sqft · 305 DOM
Sold · Feb ’26$289,000
16 LAKE FOREST COURT N · same community
3 bd · 2.5 ba · 1,381 sqft · $209/sqft · 13 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 12 LAKE FOREST CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 LAKE FOREST CIRCLE N — 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
12 LAKE FOREST CIRCLE N FAQs
What would the monthly payment be for 12 LAKE FOREST CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,506/mo — principal and interest, the actual property-tax bill, the $440/mo association fee 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.
How much are the HOA fees at 12 LAKE FOREST CIRCLE N?+
The association fee works out to $440 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 LAKE FOREST CIRCLE N?+
The most recent tax bill on record (2025) was $3,197. 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 12 LAKE FOREST CIRCLE N?+
The listing reports pets: Number Limit, Size Limit, 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 $259,000, this home is listed about 34% below the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12 LAKE FOREST CIRCLE N?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TRADEMARK REALTY GROUP LLC · Nicholas Michael. MLS #FC318516.
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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