
22 OXFORD LANE UNIT 22, PALM COAST, FL, 32137
Active44 days on marketListed Aug 27, 2026MLS #FC320423
About this home
22 OXFORD LANE UNIT 22
A woodland sanctuary hiding in plain sight. Tucked at the end of Oxford Lane in Palm Coast, Florida, in the Woodhaven Community, this beautifully renovated two bedroom, two bath upstairs condo backs directly onto association owned natural woodland. Beyond the glass, tall pines and live oaks create a peaceful backdrop for deer and other wildlife. To one side, the trees open to a rolling green lawn that sweeps down to a serene community lake, where wading birds hunt along the shore and softshell turtles glide through the water. The heart of this home is the screened balcony, stretching more than 22 feet across and wrapped in warm wood paneling, with brand new screens and new carpet underfoot. Sliding glass doors connect it directly to the primary bedroom, living room, and breakfast nook. From here, the treetops are at eye level, the lake shimmers, and sunsets wash the sky in shades of gold and pink. Inside, every surface has been thoughtfully renovated. The spacious kitchen (13’4” x 13’) features hand refinished periwinkle blue cabinets, white appliances, including a refrigerator, range, dishwasher, and microwave, and a pass-through to the dining area. New Lifeproof plank flooring runs through the kitchen, bathrooms, primary closet, and foyer, while soft, plush new carpet adds comfort to the living areas and both bedrooms. Fresh white paint brightens the home throughout, new blinds have been installed where needed, and the in unit washer and dryer are included. The generous, serene primary bedroom (10’9” x 16’9”) features sliding glass doors that open directly to the balcony and a window framing the woodland view. The en suite bath includes a white double vanity and a blue mosaic tiled shower, while the spacious primary closet is finished with Lifeproof plank flooring.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,098
Sqft
0.02 ac
Lot size
1984
Year built
One
Levels
$172
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.
$2,024 /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
$2,024/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
−4.4%
$/sqft vs Palm Coast actives
$172 vs $216
Days on market
44 vs 73 typical
Where $172/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 Woodlands
Get to know Palm Coast. See the full Palm Coast guide →
Woodlands — neighborhood snapshot
Population
1,346
Median age
66
Median income
$72,734
Median home value
$301,000
Avg household
2
Households w/ children
26%
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)
203 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 50% 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 22 OXFORD LANE UNIT 22
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$180,000
6 SALISBURY COURT UNIT 6 · same community
2 bd · 2 ba · 1,098 sqft · $164/sqft · 77 DOM
Sold · Nov ’25$146,000
8 OXFORD LANE · same community
2 bd · 2 ba · 1,098 sqft · $133/sqft · 165 DOM
Sold · Oct ’25$150,000
11 SURREY COURT UNIT 11 · same community
2 bd · 2 ba · 1,098 sqft · $137/sqft · 71 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22 OXFORD LANE UNIT 22 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22 OXFORD LANE UNIT 22 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22 OXFORD LANE UNIT 22 FAQs
What would the monthly payment be for 22 OXFORD LANE UNIT 22?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,024/mo — principal and interest, the actual property-tax bill, the $435/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 22 OXFORD LANE UNIT 22?+
The association fee works out to $435 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 22 OXFORD LANE UNIT 22?+
The most recent tax bill on record (2025) was $2,789. 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 22 OXFORD LANE UNIT 22?+
The listing reports pets: No. 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 $189,000, this home is listed about 52% below the Palm Coast median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 22 OXFORD LANE UNIT 22?+
Indian Trails Middle School (middle), Matanzas High School (high), 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
$189,000 is 50% below the PALM COAST 32137 median of $379,773, and at $172/sqft it sits under the Palm Coast average of $254.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Indian Trails Middle School, Matanzas High 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 $199,999, now $189,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REALTY FIRST CHOICE · Honora Giumenta. MLS #FC320423.
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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