39 LAKE FOREST PLACE, PALM COAST, FL, 32137
Active407 days on marketListed Jun 27, 2025MLS #FC310851
About this home
39 LAKE FOREST PLACE
Virtually Staged. Welcome to Lake Forest, a desirable small condo community offering a friendly neighborhood feel. Residents love the walkability and proximity to shopping, dining, hospitals, walking paths, the beach, and I95 making every day errands and commute a breeze. The low monthly fees include water and sewer, trash, maintenance of grounds. This home has over 1100 living square feet with two bedrooms and two bathrooms. It is move in ready and you can update it whenever you are ready. There is no carpet in the home...Tile in the main living area and vinyl in the bedrooms. The A/C was replaced 4 years ago, the roof was replaced 2 years ago and the water heater one year ago. Located in Palm Coast, a city nationally recognized as one of the “7 Best Places to Retire” and “America’s 50 Best Cities to Live In.” MONEY Magazine even named it “Best for Water Lovers.” Just 30 minutes from St. Augustine and Daytona Beach, 60 minutes to Jacksonville, and 90 minutes to Orlando’s theme parks and airport—you're never far from your next adventure. Call today to schedule your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,135
Sqft
0.05 ac
Lot size
1989
Year built
One
Levels
$197
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 and the real association fee — not generic estimates.
$2,133 /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
$2,133/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
−11.2%
$/sqft vs Palm Coast actives
$197 vs $222
Days on market
407 vs 49 typical
Where $197/sqft sits among the 400 Palm Coast actives
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 Palm Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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)
193 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 42% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 39 LAKE FOREST PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$200,000
1 LAKE FOREST PLACE · same community
3 bd · 2 ba · 1,172 sqft · $171/sqft · 90 DOM
Sold · Jun ’26$375,000
3909 LAKE FOREST STREET · same community
3 bd · 2 ba · 1,412 sqft · $266/sqft · 98 DOM
Sold · Jun ’26$460,000
4141 LAKE FOREST STREET · same community
3 bd · 2 ba · 2,051 sqft · $224/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.
Your agent
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 39 LAKE FOREST PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 39 LAKE FOREST PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
39 LAKE FOREST PLACE FAQs
What would the monthly payment be for 39 LAKE FOREST PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,133/mo — principal and interest, the actual property-tax bill, the $320/mo association fee 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.
How much are the HOA fees at 39 LAKE FOREST PLACE?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 39 LAKE FOREST PLACE?+
The most recent tax bill on record (2025) was $2,822. 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 39 LAKE FOREST PLACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $224,000, this home is listed about 44% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 39 LAKE FOREST PLACE?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the PALM COAST 32137 market on paper
$224,000 is 42% below the PALM COAST 32137 median of $384,950, and at $197/sqft it sits under the Palm Coast average of $259.
02Time on market is leverage
407 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $244,000, now $224,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL GATEWAY REAL ESTATE GR · Janet Salam. MLS #FC310851.
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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