78 PANORAMA, PALM COAST, FL, 32164
Active196 days on marketListed Jan 19, 2026MLS #FC315178
About this home
78 PANORAMA
This well maintain Home Located in very desirable area, with 4 bedrooms, Formal Living room, Family room, and Formal Dinner room, the Formal Living room, and the Formal Dinner room can be use as bedrooms or Office ,Nook area will accommodate a nice size dinning room table, the kitchen have a new Stainless Steel Refrigerator, with a tall counter top bar normally use for breakfast or family gatherings, House in perfect condition, New A/C Installed on 2024, the Roof installed on 2024, the driveway Paver Extension was installed on 2023, Patio shed is included you need to see it to appreciate this spacious home excellent for a growing family.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,236
Sqft
0.25 ac
Lot size
2
Garage
2006
Year built
One
Levels
$147
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.
$2,674 /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
$2,674/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
−11.9%
$/sqft vs BELLE TERRE
$147 vs $242
Days on market
196 vs 52 typical
Where $147/sqft sits among the 11 homes for sale in BELLE TERRE
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
4 of 11
BELLE TERRE have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% below the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 78 PANORAMA
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$426,000
71 BRIGADOON LANE · same community
4 bd · 3 ba · 2,302 sqft · $185/sqft · 4 DOM
Sold · Dec ’25$405,000
30 PERROTTI LANE · same community
4 bd · 2 ba · 2,400 sqft · $169/sqft · 130 DOM
Sold · Sep ’25$330,000
9 PRINCE WALTER LANE · same community
4 bd · 2 ba · 2,051 sqft · $161/sqft · 270 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 78 PANORAMA — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 78 PANORAMA — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
78 PANORAMA FAQs
What would the monthly payment be for 78 PANORAMA?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,674/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 78 PANORAMA?+
The most recent tax bill on record (2026) was $5,178. 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 $329,000, this home is listed about 18% 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 78 PANORAMA?+
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.
The brief
Three things that matter here
01Under the PALM COAST 32164 market on paper
$329,000 is 3% below the PALM COAST 32164 median of $339,990, and at $147/sqft it sits under the Palm Coast average of $262.
02Time on market is leverage
196 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $339,000, now $329,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Rosa Benitez. MLS #FC315178.
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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