91 FLEMINGWOOD LANE, PALM COAST, FL, 32137
Active209 days on marketListed Jan 14, 2026MLS #FC315228
About this home
91 FLEMINGWOOD LANE
Virtually Staged. Beautiful, never-lived-in Seagate Captiva II with a split floor plan. Built in 2024, this home features 3 bedrooms and 2 baths on an oversized private lot in the desirable Palm Harbor neighborhood, also known as the “F” section. The kitchen boasts stainless steel appliances, granite countertops, and an island that overlooks the spacious great room and large covered lanai. Ceramic tile flooring runs throughout all main living areas, with carpeting in the bedrooms.The private owner’s suite includes a generous walk-in closet, walk-in shower, and dual sinks. The backyard backs to a preserve, offering extra privacy and a peaceful natural view, with room for a pool. Enjoy the convenience of nearby shopping and dining, walking and bike paths, along with quick commutes via I-95, all just minutes away. Flagler Beach is also only minutes away, known for its laid-back atmosphere, local charm, and beautiful shoreline. This is a home that truly stands out—modern, move-in ready, and packed with value. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.26 ac
Lot size
2
Garage
2024
Year built
One
Levels
$222
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.
$3,151 /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
$3,151/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
−1.4%
$/sqft vs PALM HARBOR
$222 vs $241
Days on market
209 vs 49 typical
Where $222/sqft sits among the 19 homes for sale in PALM HARBOR
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)
10 of 19
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 91 FLEMINGWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$389,900
45 FENHILL · same community
4 bd · 2 ba · 1,800 sqft · $217/sqft · 134 DOM
Sold · Mar ’26$349,990
8 FELLOWSHIP DRIVE · same community
4 bd · 2 ba · 1,801 sqft · $194/sqft · 165 DOM
Sold · Mar ’26$440,000
83 FELLOWSHIP DRIVE · same community
3 bd · 3 ba · 1,810 sqft · $243/sqft · 74 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 91 FLEMINGWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 91 FLEMINGWOOD LANE — 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
91 FLEMINGWOOD LANE FAQs
What would the monthly payment be for 91 FLEMINGWOOD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,151/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 91 FLEMINGWOOD LANE?+
The most recent tax bill on record (2025) was $5,588. 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 $399,000, this home is priced right at the Palm Coast median.
Which schools are assigned to 91 FLEMINGWOOD LANE?+
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
Three things that matter here
01Time on market is leverage
209 days on market against a Palm Coast median of 49 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $415,000, now $399,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Dorothy Thompson. MLS #FC315228.
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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