22 FORDHAM LANE, PALM COAST, FL, 32137
Pending169 days on marketListed Feb 18, 2026MLS #FC316041
About this home
22 FORDHAM LANE
Welcome to this beautifully maintained pool home located in the highly desirable Palm Harbor section of Palm Coast! Situated high and dry with excellent elevation, this solid concrete block home offers peace of mind and true Florida living. Offered with a 1-year home warranty for added confidence! NEW WATER HEATER 2026, ROOF 2019 Featuring a side-entry oversized 2-car garage and a fully fenced backyard, this spacious split floorplan boasts vaulted ceilings and an open, inviting layout with the kitchen at the heart of the home. Enjoy a carpet-free interior with durable LVP flooring in all bedrooms. The kitchen is designed to impress with newer stainless steel appliances, concrete countertops, solid wood cabinetry, and seamless flow into the dining room. Sliding glass doors lead directly to your private backyard oasis. Step outside to a covered patio overlooking the enclosed saltwater pool—perfect for relaxing or entertaining year-round. The fully fenced yard also features patio pavers and a charming pergola area, ideal for summer cookouts and gatherings. This home offers the perfect blend of comfort, functionality, and lifestyle in one of Palm Coast’s most sought-after neighborhoods. Don’t miss your opportunity to own your piece of paradise—call now to schedule your private showing!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,849
Sqft
0.23 ac
Lot size
2
Garage
1987
Year built
One
Levels
$211
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.
$2,964 /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
$2,964/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
−3.7%
$/sqft vs PALM COAST SEC 07
$211 vs $203
Days on market
169 vs 50 typical
Where $211/sqft sits among the 12 homes for sale in PALM COAST SEC 07
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)
6 of 12
PALM COAST SEC 07 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% 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 22 FORDHAM LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$369,000
10 FRANKFORD COURT · same community
4 bd · 2 ba · 1,872 sqft · $197/sqft · 22 DOM
Sold · Jun ’26$429,000
7 FREEMONT TURN · same community
3 bd · 2 ba · 1,899 sqft · $226/sqft · 1 DOM
Sold · May ’26$600,000
27 FREEMONT TURN · same community
3 bd · 2 ba · 1,900 sqft · $316/sqft · 95 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 22 FORDHAM LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22 FORDHAM LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22 FORDHAM LANE FAQs
What would the monthly payment be for 22 FORDHAM LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,964/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 22 FORDHAM LANE?+
The most recent tax bill on record (2025) was $4,034. 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 $389,900, this home is listed about 3% 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 22 FORDHAM 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
Four things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Time on market is leverage
169 days on market against a Palm Coast median of 50 — 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 $410,000, now $389,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REAL · Jesse Warmka. MLS #FC316041.
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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