David Ramirez
$397,0003 bd3 ba2,363 sqft$168 /sqft$3,065 /mo all-in ↓

21 ROCKING LANE, PALM COAST, FL, 32164

Active19 days on marketListed Jul 15, 2026MLS #V4950248

Single Family ResidencePALM COAST SEC 32

About this home

21 ROCKING LANE

Beautifully maintained 3 bedroom, 3 bathroom home with over 2,300 square feet and a spacious open floor plan. The large kitchen features an oversized island, walk in pantry, abundant cabinetry, and all appliances, including the washer and dryer. Enjoy Florida living from the oversized screened lanai, perfect for relaxing or entertaining. The three car garage offers plenty of room for vehicles and storage. Additional features include an owned water softener, irrigation system, and an owned solar system that conveys at closing, providing energy efficiency and the opportunity for lower electric bills without a lease. Conveniently located near shopping, dining, parks, golf, beaches, and easy access to both St. Augustine and Daytona Beach. Exceptionally clean and priced to sell. This home has been pre-inspected for buyer peace of mind. This home offers the space buyers are looking for with over 2,300 square feet, three bedrooms, three full bathrooms, and an open layout designed for everyday living and entertaining. The large kitchen serves as the heart of the home with a generous island, walk in pantry, abundant cabinet space, and a seamless connection to the dining and living areas. Whether hosting family gatherings or enjoying a quiet evening at home, the layout provides flexibility and comfort. The oversized screened lanai extends the living space outdoors and offers room for dining, relaxing, or entertaining while enjoying Florida's weather without the bugs. The three car garage provides valuable storage space for vehicles, tools, recreational equipment, or a workshop. Practical upgrades add long term value. The irrigation system helps maintain the landscaping with ease, while the owned water softener contributes to the home's overall comfort and convenience. The solar system is another major benefit, delivering improved energy efficiency and the opportunity for lower monthly electric bills. Since the system will be owned at closing, the new owner receives the benefits without inheriting a solar loan or lease. Palm Coast continues to attract buyers looking for a relaxed coastal lifestyle with excellent access to outdoor recreation. Residents enjoy miles of walking and biking trails, numerous parks, golf courses, nearby marinas, fishing, kayaking, and easy access to the Atlantic beaches. Shopping, restaurants, medical facilities, and everyday conveniences are close by, while Interstate 95 provides quick travel to both historic St. Augustine and Daytona Beach. Whether you're looking for a primary residence or a Florida retreat, this home offers comfort, efficiency, and an outstanding location.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,363

Sqft

0.23 ac

Lot size

3

Garage

2023

Year built

One

Levels

$168

Per sqft

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator · Washer
InteriorSplit Bedroom · Walk-In Closet(s)
LaundryOther
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionVinyl Siding
FoundationSlab
FacesWest
ExteriorOther

Community & fees

Taxes (2025)$4,713/yr

Utilities & systems

UtilitiesCable Connected · Electricity 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.

$3,065 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,337
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$393
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,895Loan30-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% · $13,895
Interest rate6.00%
Loan term

Estimated payment

$3,065/mo

Principal & interest$2,337
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$393
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 $397K
$368KedgeAI estimate $403,380 · range $383K$462K$480K

vs edgeAI estimate

−1.6%

$/sqft vs PALM COAST SEC 32

$168 vs $203

Days on market

19 vs 47 typical

Where $168/sqft sits among the 20 homes for sale in PALM COAST SEC 32

4 · this home
5
7
1
1
2
$155–179$179–202$202–225$225–249$249–272$272+

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 21 ROCKING 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)

6 of 20

PALM COAST SEC 32 have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 17% above the PALM COAST 32164 median. See the full Palm Coast market guide →

Paper trail

This home's history

Jul 15, 2026Listed at $397,000 · 19 days on market since
2023Built · PALM COAST SEC 32

Reality check

What actually sold near 21 ROCKING LANE

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

25 ROXTON LANESold · Aug ’25

$378,700

25 ROXTON LANE · same community

4 bd · 3 ba · 2,265 sqft · $167/sqft · 31 DOM

103 ROLLING SANDS DRIVESold · Aug ’25

$360,000

103 ROLLING SANDS DRIVE · same community

4 bd · 2 ba · 2,242 sqft · $161/sqft · 282 DOM

4 ROLLS ROYCE COURT SSold · Mar ’26

$302,000

4 ROLLS ROYCE COURT S · same community

4 bd · 2 ba · 2,236 sqft · $135/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 21 ROCKING 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 21 ROCKING 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

21 ROCKING LANE FAQs

What would the monthly payment be for 21 ROCKING LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,065/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 ROCKING LANE?+

The most recent tax bill on record (2025) was $4,713. 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 $397,000, this home is listed about 1% 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 21 ROCKING 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.

Listing courtesy of KELLER WILLIAMS RLTY FL. PARTN · BarbaraJoy Zacher. MLS #V4950248.

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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