16 SHADY LANE S, PALM COAST, FL, 32137
Active43 days on marketListed Aug 28, 2026MLS #FC321035
About this home
16 SHADY LANE S
Tucked away on a quiet street in the desirable Hammock Beach area, this private, shaded property offers a rare opportunity just over a half mile from the beach. Surrounded by mature live oaks, the setting provides excellent privacy and a true Old Florida feel. Located in unincorporated Palm Coast with no HOA restrictions, this property offers flexibility you won’t find in many coastal communities. Bring your boat, RV, and other toys and enjoy the freedom of coastal living. An existing mobile home is situated on the property and is in need of significant renovation and repair, offering an opportunity for the right buyer to restore, renovate, or explore the property's future potential. Enjoy being close to a great selection of local restaurants, with downtown Flagler Beach just five to ten minutes away. Whether you're looking for a renovation project, an investment opportunity, or a private piece of property near the beach, this unique Shady Lane location offers plenty of possibilities in a highly desirable coastal area.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
624
Sqft
0.11 ac
Lot size
1976
Year built
One
Levels
$176
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.
$992 /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
$992/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.
$/sqft vs Palm Coast actives
$176 vs $216
Days on market
43 vs 73 typical
Where $176/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 Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
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)
201 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 71% 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 16 SHADY LANE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$220,000
5 SHADY LANE S · same community
2 bd · 2 ba · 784 sqft · $281/sqft · 63 DOM
Sold · May ’26$149,000
54 CLUB HOUSE DRIVE UNIT 102
1 bd · 1 ba · 665 sqft · $224/sqft · 264 DOM
Sold · Apr ’26$150,000
54 CLUB HOUSE DRIVE UNIT 107
1 bd · 1 ba · 665 sqft · $226/sqft · 220 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 16 SHADY LANE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16 SHADY LANE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16 SHADY LANE S FAQs
What would the monthly payment be for 16 SHADY LANE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $992/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 16 SHADY LANE S?+
The most recent tax bill on record (2026) was $1,635. 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 $110,000, this home is listed about 72% 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 16 SHADY LANE S?+
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
01Under the PALM COAST 32137 market on paper
$110,000 is 71% below the PALM COAST 32137 median of $379,773, and at $176/sqft it sits under the Palm Coast average of $254.
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 $120,000, now $110,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ATLANTIC OCEAN REALTY · Deanna Kershner. MLS #FC321035.
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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