5 BANNER LANE, PALM COAST, FL, 32135
Active43 days on marketListed Aug 30, 2026MLS #FC321085
About this home
5 BANNER LANE
Welcome to 5 Banner Lane, a spacious ranch-style home offering 1,589 square feet of comfortable Florida living with NO HOA! This 3-bedroom, 2-bathroom home features a desirable single-level floor plan, a 2-car garage, laminate flooring, and updated bathrooms with tiled showers. A true highlight of the home is the huge enclosed porch / sunroom, offering an abundance of additional space that can be used for relaxing, entertaining, a home office, game room, or simply enjoying the Florida lifestyle year-round. The fully fenced yard provides privacy and plenty of room for outdoor activities, pets, or creating your own backyard oasis. With its updated bathrooms, durable laminate flooring, spacious sunroom, 2-car garage, and fully fenced yard, this home offers an excellent combination of comfort, functionality, and value, making this property appealing to both first-time homebuyers and investors alike. Located in Palm Coast with convenient access to shopping, dining, parks, recreation, and Florida’s beautiful beaches. Whether you’re looking for a place to call home or a smart addition to your investment portfolio, 5 Banner Lane is a property worth seeing! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,589
Sqft
0.29 ac
Lot size
2
Garage
1988
Year built
One
Levels
$167
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.
$1,918 /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
$1,918/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
−2.1%
$/sqft vs INDIAN TRAILS
$167 vs $197
Days on market
43 vs 72 typical
Where $167/sqft sits among the 16 homes for sale in INDIAN TRAILS
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 Indian Trails
Get to know Palm Coast. See the full Palm Coast guide →
Indian Trails — neighborhood snapshot
Population
12,901
Median age
47
Median income
$68,343
Median home value
$282,657
Avg household
3
Households w/ children
1,358
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)
9 of 16
INDIAN TRAILS have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 5 BANNER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$305,000
10 BARRING · same community
3 bd · 2 ba · 1,663 sqft · $183/sqft · 3 DOM
Sold · May ’26$295,000
6544 CALUSA DRIVE · same community
3 bd · 2 ba · 1,666 sqft · $177/sqft · 2 DOM
Sold · Aug ’26$270,000
5 BIRD HAVEN PLACE · same community
3 bd · 2 ba · 1,673 sqft · $161/sqft · 8 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5 BANNER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5 BANNER LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5 BANNER LANE FAQs
What would the monthly payment be for 5 BANNER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,918/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 5 BANNER LANE?+
The most recent tax bill on record (2025) was $970. 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 $264,999, this home is listed about 32% below the Palm Coast median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5 BANNER LANE?+
Indian Trails Middle School (middle), Belle Terre Elementary School (elementary), Matanzas 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 GRAND LIVING REALTY · Paul DeSousa. MLS #FC321085.
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.
Never miss a listing
New Palm Coast homes, in your inbox
Like 5 BANNER LANE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →