David Ramirez
$480,000$490,0004 bd3 ba2,456 sqft$195 /sqft$3,655 /mo all-in ↓

4 RAINSTONE LANE, PALM COAST, FL, 32164

Active25 days on marketListed Jun 29, 2026MLS #FC319568

Reduced $10KPrivate poolSingle Family ResidenceROYAL PALMS

About this home

4 RAINSTONE LANE

Welcome to this spacious 4-bedroom, 3-bath pool home located in Lehigh Woods! Offering over 2,450 square feet of living space, this thoughtfully designed split floor plan provides both privacy and functionality for families and guests alike. Enjoy peace of mind with major updates already completed, including a new roof (2024), new HVAC system (2024), new water heater (2023), and pool pump replaced in 2023. The home's open layout is enhanced by sliding glass doors in the dining room, living room, and primary bedroom, allowing for abundant natural light and seamless access to the outdoor living space. Step outside to your screened pool and spa retreat, perfect for relaxing, entertaining, or enjoying Florida's year-round sunshine. A circular driveway and two-car garage provide ample parking and convenience, while the spacious interior offers room for everyone to spread out. While the home has already benefited from several major system updates, it also presents an excellent opportunity for a new owner to add their own personal style and cosmetic touches. With great bones, a desirable floor plan, and valuable improvements already completed, this property offers both immediate comfort and future potential. Conveniently located near shopping, dining, schools, medical facilities, golf courses, parks, and Flagler County's beautiful beaches, this move-in-ready home combines space, comfort, and outdoor living with room to make it uniquely yours.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,456

Sqft

0.23 ac

Lot size

2

Garage

2000

Year built

One

Levels

$195

Per sqft

Private poolPool viewPets allowed

Inside

FlooringTile · Hardwood · Luxury Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s)
LaundryInside · Laundry Room · Washer Hookup · Electric Dryer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
ViewPool
FacesSouth
ExteriorRain Gutters · Sliding Doors

Community & fees

Taxes (2026)$5,480/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,655 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property tax — 2026 actual bill$457
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,800
Interest rate6.00%
Loan term

Estimated payment

$3,655/mo

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$457
Est. insurance$160

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.

List $480K
$435KedgeAI estimate $556,351 · range $453K$785K$816K

vs edgeAI estimate

−13.7%

$/sqft vs Palm Coast actives

$195 vs $221

Days on market

25 vs 47 typical

Where $195/sqft sits among the 400 Palm Coast actives

183 · this home
90
37
37
20
33
$157–213$213–270$270–326$326–382$382–438$438+

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 Lehigh Woods

Map of 4 RAINSTONE LANE inside its neighborhood boundary

Get to know Palm Coast. See the full Palm Coast guide →

Lehigh Woods — neighborhood snapshot

Population

13,339

Median age

44

Median income

$69,773

Median home value

$292,425

Avg household

3

Households w/ children

1,584

For the school run

Flagler County School District

ElementaryRymfire Elementary School★★★★★
MiddleBuddy Taylor Middle School★★★★★
HighFlagler-Palm Coast High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

177 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 41% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $480,000 $10K
Jun 29, 2026Listed at $490,000 · 25 days on market since
2000Built · ROYAL PALMS

Reality check

What actually sold near 4 RAINSTONE LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

44 ROCKING HORSE DRIVESold · Sep ’25

$319,900

44 ROCKING HORSE DRIVE · same community

4 bd · 2 ba · 2,052 sqft · $156/sqft · 149 DOM

3645 ALAN DRIVESold · Jun ’26

$358,000

3645 ALAN DRIVE · same community

4 bd · 2 ba · 1,864 sqft · $192/sqft · 20 DOM

52 ROBINSON DRIVESold · Oct ’25

$316,900

52 ROBINSON DRIVE · same community

4 bd · 2 ba · 1,716 sqft · $185/sqft · 4 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4 RAINSTONE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4 RAINSTONE 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.

Goes straight to David’s phone and CRM.

Straight answers

4 RAINSTONE LANE FAQs

What would the monthly payment be for 4 RAINSTONE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,655/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 4 RAINSTONE LANE?+

The most recent tax bill on record (2026) was $5,480. 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 4 RAINSTONE 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 $480,000, this home is listed about 22% 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 4 RAINSTONE LANE?+

Rymfire Elementary School (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

$480,000 runs 41% above the PALM COAST 32164 median — but at 2,456 sqft it's also 30% larger than the typical Palm Coast listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $490,000, now $480,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE · Christeen Haney. MLS #FC319568.

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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