51 BANNERWOOD LANE, PALM COAST, FL, 32137
Pending516 days on marketListed Mar 15, 2025MLS #FC308131
About this home
51 BANNERWOOD LANE
Wow, new low price. So much house for the price. Don't miss seeing this home. Beautiful 4 bedroom 2 bathroom ICI Westminster model located in desirable Indian Trails subdivision. This home is in excellent condition featuring a SALT WATER SOLAR POOL. New roof installed January 2025, and new exterior AC heat pump condenser installed in 2024. Extra driveway for more space. Alarm system, quarterly pest control, and pool service make this home well kept. Move in ready! Only 15 minutes to the beach and very close to all schools, sports complex, shopping and restaurants. This is an excellent established neighborhood. Extremely quiet and safe.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,443
Sqft
0.23 ac
Lot size
2
Garage
2006
Year built
One
Levels
$205
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.
$3,324 /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
$3,782/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+7.1%
Days on market
516 vs 49 typical
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
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
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 51 BANNERWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 51 BANNERWOOD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
51 BANNERWOOD LANE FAQs
What would the monthly payment be for 51 BANNERWOOD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,324/mo — principal and interest, estimated property taxes 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 51 BANNERWOOD LANE?+
The most recent tax bill on record (2024) was $0. 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 $499,900, this home is listed about 25% above the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 51 BANNERWOOD 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
Five things that matter here
01Positioned at the premium end
$499,900 runs 32% above the PALM COAST 32137 median — but at 2,443 sqft it's also 29% 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.
03Time on market is leverage
516 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $525,000, now $499,900 — a $25K cut. The full history is in the market section below.
Listing courtesy of BLUEWATER REAL ESTATE · Kathy Cowdrey. MLS #FC308131.
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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