4 PROSPECT LANE UNIT A, PALM COAST, FL, 32164
Active27 days on marketListed Jul 8, 2026MLS #FC319824
About this home
4 PROSPECT LANE UNIT A
Plenty of space inside and out! This 3-bedroom, 2-bath duplex offers a bright, open floor plan with easy-care flooring throughout - no carpet. The spacious living area flows into the kitchen, which features ample cabinet and counter space, a breakfast bar, and pantry storage. The primary suite includes a private bath, while two additional bedrooms provide flexibility for guests, a home office, or extra living space. Enjoy the convenience of an attached one-car garage and lawn care included in the rent. Pets will be considered. Conveniently located near shopping, dining, schools, and major roadways. Available now!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,219
Sqft
0.3 ac
Lot size
1
Garage
2002
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/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.
$/sqft vs PALM COAST SEC 24
$1 vs $207
Days on market
27 vs 52 typical
Where $1/sqft sits among the 25 homes for sale in PALM COAST SEC 24
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)
7 of 25
PALM COAST SEC 24 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% 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 4 PROSPECT LANE UNIT A
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$309,900
19 PRINCE KAAREL LANE · same community
3 bd · 2 ba · 1,211 sqft · $256/sqft · 314 DOM
Sold · Jul ’26$299,900
13 PRINCE MICHAEL LANE · same community
3 bd · 2 ba · 1,211 sqft · $248/sqft · 378 DOM
Sold · Mar ’26$262,000
7 PRESIDENTIAL LANE · same community
3 bd · 2 ba · 1,463 sqft · $179/sqft · 224 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4 PROSPECT LANE UNIT A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 PROSPECT LANE UNIT A — 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
4 PROSPECT LANE UNIT A FAQs
What would the monthly payment be for 4 PROSPECT LANE UNIT A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/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.
Are pets allowed at 4 PROSPECT LANE UNIT A?+
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 $1,600, this home is listed about 100% 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 4 PROSPECT LANE UNIT A?+
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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES UMPENHOUR INC · Savannah Umpenhour. MLS #FC319824.
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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