21 LAKE CHARLES LANE, PALM COAST, FL, 32137
Active41 days on marketListed Jun 26, 2026MLS #FC319521
About this home
21 LAKE CHARLES LANE
PRICE IMPROVEMENT AND NEW APPLIANCES ARE BEING INSTALLED as well as new kitchen cabinet hardware in this 3 bedroom, 2 bath residence offering the perfect combination of comfort and value. Situated on a generous 80' x 125' homesite, this property features a fully fenced backyard, providing plenty of space for pets, gardening, or creating your own private outdoor retreat. Inside, you'll find a split bedroom floor plan with comfortable living spaces and a 2-car garage offering ample storage and convenience. Two of the home's standout features is the newer roof and impact windows and doors, providing added peace of mind and reducing future maintenance concerns. Whether you're a first-time homebuyer or searching for an investment opportunity, this home offers exceptional potential. Conveniently located near I95, you'll enjoy easy access to shopping, restaurants, parks, schools, walking and biking trails, medical facilities, and just a short drive to the area's beautiful Atlantic beaches.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,561
Sqft
0.22 ac
Lot size
2
Garage
2005
Year built
One
Levels
$186
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.
$2,573 /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
$2,573/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
−4%
$/sqft vs Palm Coast actives
$186 vs $222
Days on market
41 vs 50 typical
Where $186/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 Matanzas Woods
Get to know Palm Coast. See the full Palm Coast guide →
Matanzas Woods — neighborhood snapshot
Population
4,251
Median age
43
Median income
$80,188
Median home value
$358,971
Avg household
3
Households w/ children
416
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)
187 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 24% 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 21 LAKE CHARLES LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,125,000
3544 Lakeview Drive, Delray Beach FL 33445 · same community
3 bd · 2 ba · 1,772 sqft · $635/sqft · 21 DOM
Sold · May ’26$305,000
1 LEWIS SHIRE PLACE · same community
4 bd · 2 ba · 1,862 sqft · $164/sqft · 450 DOM
Sold · Aug ’26$265,500
450 E SILVER STAR ROAD · same community
3 bd · 2.5 ba · 2,082 sqft · $128/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 21 LAKE CHARLES LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21 LAKE CHARLES 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
21 LAKE CHARLES LANE FAQs
What would the monthly payment be for 21 LAKE CHARLES LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,573/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 21 LAKE CHARLES LANE?+
The most recent tax bill on record (2025) was $6,935. 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 21 LAKE CHARLES 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 $289,900, this home is listed about 28% 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 21 LAKE CHARLES LANE?+
Belle Terre Elementary School (elementary), Indian Trails Middle School (middle), Matanzas 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
01Under the PALM COAST 32137 market on paper
$289,900 is 24% below the PALM COAST 32137 median of $379,995, and at $186/sqft it sits under the Palm Coast average of $261.
02Strong assigned schools
Belle Terre Elementary School, Indian Trails Middle School, Matanzas High School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $299,900, now $289,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ELITE HOUSING ADVISORS, LLC. · Barbara Ungerman, PA. MLS #FC319521.
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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