David Ramirez
$296,990$299,9003 bd2 ba1,673 sqft$178 /sqft$2,349 /mo all-in ↓

19 BANNER LANE, PALM COAST, FL, 32137

Active42 days on marketListed Jun 21, 2026MLS #V4949732

Priced 22% below the PALM COAST 32137 medianReduced $3KSingle Family ResidenceBAYSIDE PRCL C

About this home

19 BANNER LANE

Welcome to 19 Banner Lane! This beautifully updated 3-bedroom, 2-bathroom home offers 1,673 square feet of air-conditioned living space and is nestled in one of Palm Coast's most desirable and peaceful neighborhoods. Step inside to discover a bright, move-in-ready interior featuring new flooring, fresh interior paint, a new HVAC system, updated appliances, elegant quartz countertops, and a stylish kitchen backsplash that combine to create a modern and inviting atmosphere. Newer windows throughout the home enhance energy efficiency while allowing abundant natural light to fill the living spaces. Adding to the home's charm are multiple skylights in the kitchen and bathrooms, bringing in even more natural light and creating a warm, open feel. One of the standout features is the air-conditioned Florida room, offering flexible space that can be used as a second living area, home office, game room, or entertainment space. Step outside to the screened-in patio complete with a relaxing jacuzzi, the perfect place to unwind or host family and friends. The oversized backyard provides ample room for outdoor activities and includes a large storage shed for additional storage or hobbies. Situated on a generously sized lot, the property offers privacy and space that are increasingly difficult to find. Competitively priced and offering exceptional value, this is one of the most affordable homes available in the neighborhood and has been priced to sell quickly. Don't miss this opportunity to own a beautifully updated home with premium features at an outstanding price. Families will appreciate the home's location within the Flagler Schools district, which has consistently earned a "B" rating from the Florida Department of Education. Zoned schools for the area generally include Belle Terre Elementary School (PK–7), which holds a "B+" rating on Niche; Indian Trails Middle School, recognized as one of the county's top-performing middle schools with an "A" state rating; and Flagler-Palm Coast High School, which has earned a "B" state rating and a "B+" rating on Niche. With its extensive updates, desirable layout, exceptional indoor and outdoor living spaces, and convenient location close to shopping, dining, parks, and major roadways, 19 Banner Lane is truly move-in ready. Schedule your private showing today before this opportunity is gone!All information deemed reliable but not guaranteed, buyer / buyer agent to conduct due diligence.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,673

Sqft

0.29 ac

Lot size

2

Garage

1988

Year built

One

Levels

$178

Per sqft

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorOpen Floorplan
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ExteriorPrivate Yard

Community & fees

Taxes (2025)$3,712/yr

Utilities & systems

UtilitiesCable Connected · 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.

$2,349 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,748
FHA mortgage insurance (est.)$131
Property tax — 2025 actual bill$309
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,395Loan30-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% · $10,395
Interest rate6.00%
Loan term

Estimated payment

$2,349/mo

Principal & interest$1,748
FHA mortgage insurance (est.)$131
Property taxes (actual bill)$309
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 $297K
$267KedgeAI estimate $301,474 · range $278K$333K$346K

vs edgeAI estimate

−1.5%

$/sqft vs Palm Coast actives

$178 vs $218

Days on market

42 vs 47 typical

Where $178/sqft sits among the 400 Palm Coast actives

224 · this home
72
36
28
15
25
$160–229$229–297$297–366$366–435$435–503$503+

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

Map of 19 BANNER LANE inside its neighborhood boundary

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

MiddleIndian Trails Middle School★★★★★
ElementaryBelle Terre Elementary School★★★★★
HighMatanzas 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)

168 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 22% below the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $296,990 $3K
Jun 21, 2026Listed at $299,900 · 42 days on market since
1988Built · BAYSIDE PRCL C

Reality check

What actually sold near 19 BANNER LANE

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

36 BANNER LANESold · Aug ’25

$308,000

36 BANNER LANE · same community

3 bd · 2 ba · 1,675 sqft · $184/sqft · 9 DOM

86 BAYSIDE DRIVESold · Jan ’26

$360,000

86 BAYSIDE DRIVE · same community

3 bd · 2 ba · 1,657 sqft · $217/sqft · 89 DOM

10 BARRINGTON DRIVESold · Oct ’25

$260,000

10 BARRINGTON DRIVE · same community

3 bd · 2 ba · 1,639 sqft · $159/sqft · 42 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 19 BANNER 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 19 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.

Goes straight to David’s phone and CRM.

Straight answers

19 BANNER LANE FAQs

What would the monthly payment be for 19 BANNER LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,349/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 19 BANNER LANE?+

The most recent tax bill on record (2025) was $3,712. 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 $296,990, this home is listed about 25% 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 19 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.

The brief

Three things that matter here

01Under the PALM COAST 32137 market on paper

$296,990 is 22% below the PALM COAST 32137 median of $379,995, and at $178/sqft it sits under the Palm Coast average of $257.

02Strong assigned schools

Indian Trails Middle School, Belle Terre Elementary 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 $296,990 — a $3K cut. The full history is in the market section below.

Listing courtesy of COLDWELL BANKER COAST REALTY · "Ron" Ballou. MLS #V4949732.

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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