CENTURY 21 Edge
$990,000$1,080,0004 bd4 ba3,804 sqft$260 /sqft≈$7,334 /mo all-in ↓

18 N PARK LANE, PALM COAST, FL, 32137

Active36 days on marketListed Sep 4, 2026MLS #FC321162

✦ Reduced $90KPrivate poolSingle Family ResidenceGRAND HAVEN NORTH PH I

About this home

18 N PARK LANE

Arrive at the end of a quiet cul-de-sac and follow the extended paver driveway to this distinctive 3,804-square-foot pool home in the gated Grand Haven community of Palm Coast. Set well back from the sidewalk on an approximately 0.45-acre homesite, the property offers abundant off-street parking and a sense of privacy created by its generous setback and mature landscaping in both the front and rear. A tile roof and patterned stucco exterior complete the home’s recognizable Florida architecture. Inside, the layout is designed to support both everyday living and larger gatherings. The main level includes formal living and dining spaces, a spacious family room, and an open chef’s kitchen with a large island, two sinks, two disposals, a propane Fisher & Paykel cooktop, and an updated exhaust hood and vent. Ceramic tile flooring throughout the ground level and a coastal-inspired interior color palette contribute to the home’s relaxed Florida character. The living experience continues onto the expansive two-story screened lanai, where the pool, ceiling fans, generous outdoor seating areas, mature landscaping, and lake views create a private setting for morning coffee, afternoon swimming, and evenings outdoors. With a direct connection to the kitchen and family room, the lanai provides substantial space for entertaining. Cape Canaveral space launches can also be viewed from the backyard and lanai, adding a memorable element to life at this home. The flexible floor plan offers three bedrooms, three full bathrooms, and a dedicated office that may accommodate additional sleeping or flex-space needs. Upstairs, a large media room with its own full bathroom provides separation for recreation, guests, or extended stays. Additional features include a sauna with a cedar door replaced in 2025 and a two-car garage with tile flooring. Major improvements include ground-level ceramic tile, interior paint, lighted ceiling fans, the propane cooktop, exhaust hood and vent, complete lanai rescreening, and a high-efficiency pool heat pump in 2021. High-end, high-efficiency HVAC systems serving both levels were installed in January 2023. The dryer was replaced in 2023, the washer and water heater in 2025, and the pool pump in 2026. Located near the Intracoastal Waterway in Grand Haven, one of Palm Coast’s gated communities, this home offers convenient access to an extensive collection of recreational and social amenities. Grand Haven features two pools and spas, two fitness centers, tennis, pickleball, bocce, basketball and croquet, along with a Village Center offering dining, fitness classes and scheduled activities. Miles of walking and biking trails wind through preserve areas and along the picturesque Esplanade coquina trail bordering more than a mile of the Intracoastal Waterway. A privately owned 18-hole golf course is also located within the community, with golf membership available separately. Combined with the home’s approximately 0.45-acre private cul-de-sac lot, long lake views, expansive pool and lanai, flexible interior and system updates, the setting offers a rare balance of privacy at home and access to some of Palm Coast’s most desirable community amenities.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,804

Sqft

0.45 ac

Lot size

2

Garage

2008

Year built

Two

Levels

$260

Per sqft

Private poolFireplaceWater viewPets allowed

Inside

FlooringCeramic Tile · Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Sauna · Solid Wood Cabinets · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorBalcony · French Doors · Lighting · Outdoor Kitchen · Rain Gutters · Sauna · Sliding Doors

Community & fees

HOA fee$15/mo
Taxes (2025)$17,353/yr
PetsCats OK, Dogs OK, Yes
CommunityDock · Intracoastal Waterway · Lake · Clubhouse · Community Mailbox · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Park · Pool · Racquetball · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesPublic · Underground Utilities
WaterPublic

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.

$7,334 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,342
PMI (est., until 20% equity)$371
Property tax — 2025 actual bill$1,446
HOA fee — from the listing$15
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $99,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $99,000
Interest rate6.00%
Loan term

Estimated payment

$7,334/mo

Principal & interest$5,342
PMI (est., until 20% equity)$371
Property taxes (actual bill)$1,446
HOA / condo fee$15
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $990K
$950KedgeAI estimate $1,300,194 · range $1.2M–$1.4M$1.5M

vs edgeAI estimate

−23.9%

$/sqft vs Palm Coast actives

$260 vs $216

Days on market

36 vs 73 typical

Where $260/sqft sits among the 400 Palm Coast actives

191
93 · this home
35
30
19
32
$156–213$213–269$269–325$325–382$382–438$438+

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 Grand Haven

Get to know Palm Coast. See the full Palm Coast guide →

Grand Haven — neighborhood snapshot

Population

3,308

Median age

65

Median income

$88,771

Median home value

$468,511

Avg household

2

Households w/ children

182

For the school run

Flagler County School District

HighMatanzas High School★★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$355K → $361K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

204 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 161% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $990,000 ▼ $90K
Sep 4, 2026Listed at $1,080,000 · 36 days on market since
2008Built · GRAND HAVEN NORTH PH I

Reality check

What actually sold near 18 N PARK LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

15 S WATERVIEW DRIVESold · Oct ’25

$1,055,000

15 S WATERVIEW DRIVE · same community

5 bd · 6 ba · 3,883 sqft · $272/sqft · 184 DOM

23 N VILLAGE PARKWAYSold · Mar ’26

$620,000

23 N VILLAGE PARKWAY · same community

5 bd · 3 ba · 2,876 sqft · $216/sqft · 75 DOM

8 N VILLAGE DRIVESold · Feb ’26

$525,000

8 N VILLAGE DRIVE · same community

4 bd · 3 ba · 2,799 sqft · $188/sqft · 281 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 18 N PARK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18 N PARK 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

18 N PARK LANE FAQs

What would the monthly payment be for 18 N PARK LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,334/mo — principal and interest, the actual property-tax bill, the $15/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 18 N PARK LANE?+

The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 18 N PARK LANE?+

The most recent tax bill on record (2025) was $17,353. 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 18 N PARK LANE?+

The listing reports pets: Cats OK, Dogs OK, Yes. 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 $990,000, this home is listed about 154% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.

Which schools are assigned to 18 N PARK 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

01Positioned at the premium end

$990,000 runs 161% above the PALM COAST 32137 median — but at 3,804 sqft it's also nearly twice the size of the typical Palm Coast listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

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 $1,080,000, now $990,000 — a $90K cut. The full history is in the market section below.

Listing courtesy of COASTAL REALTY PROS LLC · Jeffrey Wagner. MLS #FC321162.

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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