23 PRETORIA LANE, PALM COAST, FL, 32164
Active16 days on marketListed Jul 17, 2026MLS #FC320009
About this home
23 PRETORIA LANE
Under Construction. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Welcome to 2 Pretoria Lane, where thoughtful design, lasting quality, and everyday comfort come together. This beautiful 4-bedroom, 2-bath home features a durable full brick exterior, an in-wall pest control system, and no HOA, giving you the freedom to enjoy your home without added restrictions. Inside, elevated ceilings create an open, spacious feel, while the kitchen is designed to be the heart of the home with a large center island, crisp white cabinetry, and stylish black fixtures that add a modern touch. Whether you're preparing dinner, hosting friends, or helping with homework, this space is built for real life. The private primary suite offers the retreat you deserve, complete with a generous walk-in closet and a layout designed for comfort. Three additional bedrooms provide flexibility for family, guests, or a home office. If you're looking for a home that combines quality construction, modern finishes, and the freedom of no HOA, this is one you won't want to miss. Ask about our current promos and CASH buyers discount. **Photos are not of the actual home and are for illustration purposes only. Finishes/colors may vary from photos**
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,635
Sqft
0.24 ac
Lot size
2
Garage
2026
Year built
One
Levels
$211
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.
$2,389 /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
$2,389/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
+3%
$/sqft vs PALM COAST SEC 24
$211 vs $209
Days on market
16 vs 47 typical
Where $211/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)
7 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 1% 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 23 PRETORIA 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$275,000
25 PRESCOTT LANE · same community
3 bd · 2 ba · 1,631 sqft · $169/sqft · 76 DOM
Sold · Aug ’25$320,000
48 PRITCHARD DRIVE · same community
3 bd · 2 ba · 1,572 sqft · $204/sqft · 42 DOM
Sold · Apr ’26$273,000
5 PROMENADE PLACE · same community
4 bd · 2 ba · 1,706 sqft · $160/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 PRETORIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 23 PRETORIA 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 PRETORIA LANE FAQs
What would the monthly payment be for 23 PRETORIA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,389/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 PRETORIA LANE?+
The most recent tax bill on record (2025) was $558. 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 $344,900, this home is listed about 13% 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 23 PRETORIA 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.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC · Cecilia Arita Mata. MLS #FC320009.
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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