CENTURY 21 Edge
$474,900$494,9005 bd3 ba2,464 sqft$193 /sqft≈$3,518 /mo all-in ↓

4 LINCOLN PLACE, PALM COAST, FL, 32137

Active32 days on marketListed Sep 8, 2026MLS #FC321256

✦ Reduced $20KPrivate poolSingle Family Residence04 FAIRWAYS

Come see it

Upcoming open house

Sat, Oct 17

9:00 AM – 12:00 PM

Beautiful 5 BEDROOM/3 BATH Home in Matanzas Woods that includes MOTHER-IN-LAW SUITE, WALK-IN THERAPY TUB, ABOVE-GROUND POOL, SHED, and so much MORE!! Seller is open to negotiation! Event will be hosted by Isabel Fernandes. Please call her with any questions at 386-232-5855.

About this home

4 LINCOLN PLACE

Built in 2020, this SeaGate Worthington II sits at the end of a quiet cul-de-sac in the desirable Matanzas Woods subdivision at the north end of Palm Coast. It's a LOVELY and SPACIOUS FIVE-BEDROOM, THREE-BATH HOME that offers versatility with its 2,464 square feet of living space, a dedicated OFFICE/DEN, a MOTHER-IN-LAW SUITE, and INTERESTING ARCHITECTURAL FEATURES, such as ARCHED ENTRYWAYS, VAULTED CEILING, BULLNOSE CORNERS, and MORE, making it quite pleasing to the eye. What really sets it apart, though, is the PRIVATE GUEST WING: the owners had the builder add a sound-insulated wall and an interior connecting door joining two bedrooms, one with its own FULL BATH, creating a QUIET RETREAT for family members (the "MOTHER-IN-LAW SUITE"), extended-stay guests, or a live-in caregiver. The real HEART OF THE HOME is the EFFICIENT KITCHEN with its SOLID WOOD CABINETRY, QUARTZ COUNTERS and COUNTERTOP BAR, anchoring everything with a LARGE ISLAND, WALK-IN PANTRY, and EAT-IN CAFE that all opens up to the cozy and comfortable GREAT ROOM! The OPEN CONCEPT SPLIT-PLAN has three bedrooms on the North side of the home, with another bedroom facing East and the MASTER BEDROOM on the South side, with its spacious and comfy vibes and TWO WALK-IN CLOSETS. It also includes an EN-SUITE MASTER BATHROOM with a WALK-IN SHOWER and a WALK-IN THERAPY TUB ("Safe Step Walk-In Tubs") that will bring you so much enjoyment! The tub includes BLUETOOTH for MUSIC, a HEATED SEAT, MULTI-JETS, and COLORFUL LED LIGHTS all built in and designed to improve blood circulation, ease arthritis pain, and loosen tight muscles, as well as provide TOTAL RELAXATION! This home is just PERFECT for ENTERTAINING FAMILY AND FRIENDS, or relaxing after a busy day, especially when you step outside into the PRIVATE PARADISE that includes a LARGE COVERED LANAI, LOW-MAINTENANCE SWIMMING POOL with ELEVATED DECKING, SHED with SHELVING AND FLOORING, and LANDSCAPED GROUNDS, all connected with PAVED WALKWAYS and enclosed by a FULLY-FENCED YARD! This is FLORIDA LIVING at its absolute BEST! Additional attributes include a 2-Car Garage, widened driveway for additional parking, LIGHTS that frame the LARGE YARD, and more! Newer construction means 2020 Roof & HVAC, along with hurricane-rated windows and LOW-MAINTENANCE OWNERSHIP. Being mere minutes away from the Matanzas Woods Parkway I-95 interchange and US-1 provides convenience to many of the hottest retail properties in Flagler County, including Shopping, Dining and Entertainment, as well as Doctors & Hospitals, Recreation, Parks, and our beautiful FLORIDA BEACHES! Schedule a showing today and check out this impeccable home ASAP!

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,464

Sqft

0.23 ac

Lot size

2

Garage

2020

Year built

One

Levels

$193

Per sqft

Private poolPool view

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewPool
FacesEast
ParkingDriveway
ExteriorLighting · Private Mailbox · Private Yard · Sliding Doors

Community & fees

Taxes (2025)$4,224/yr
PetsCats OK, Dogs OK, Number Limit

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,518 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property tax — 2025 actual bill$352
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,622Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,622
Interest rate6.00%
Loan term

Estimated payment

$3,518/mo

Principal & interest$2,796
FHA mortgage insurance (est.)$210
Property taxes (actual bill)$352
Est. insurance$160

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.

List $475K
$434KedgeAI estimate $469,052 · range $452K–$497K$517K

vs edgeAI estimate

+1.2%

$/sqft vs 04 FAIRWAYS

$193 vs $201

Days on market

32 vs 75 typical

Where $193/sqft sits among the 17 homes for sale in 04 FAIRWAYS

8 · this home
3
5
0
0
1
$173–194$194–216$216–238$238–259$259–281$281+

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 Matanzas Woods

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

Matanzas Woods — neighborhood snapshot

Population

4,251

Median age

43

Median income

$80,188

Median home value

$358,971

Avg household

3

Households w/ children

416

For the school run

Flagler County School District

ElementaryBelle Terre Elementary School★★★★★
MiddleIndian Trails Middle School★★★★★
HighMatanzas High 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)

8 of 17

04 FAIRWAYS have cut their price

Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 25% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

CurrentPrice reduced to $474,900 ▼ $20K
Sep 8, 2026Listed at $494,900 · 32 days on market since
2020Built · 04 FAIRWAYS

Reality check

What actually sold near 4 LINCOLN PLACE

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

82 LANCELOT DRIVESold · Mar ’26

$495,000

82 LANCELOT DRIVE · same community

4 bd · 2.5 ba · 2,570 sqft · $193/sqft · 192 DOM

29 LOUISIANA DRIVESold · Apr ’26

$421,400

29 LOUISIANA DRIVE · same community

4 bd · 3 ba · 2,332 sqft · $181/sqft · 41 DOM

119 LINDSAY DRIVESold · May ’26

$410,000

119 LINDSAY DRIVE · same community

4 bd · 2 ba · 2,294 sqft · $179/sqft · 326 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.

Shawn Lewis

Your agent

Shawn Lewis

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 4 LINCOLN PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4 LINCOLN PLACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4 LINCOLN PLACE FAQs

What would the monthly payment be for 4 LINCOLN PLACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,518/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 4 LINCOLN PLACE?+

The most recent tax bill on record (2025) was $4,224. 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 4 LINCOLN PLACE?+

The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $474,900, this home is listed about 22% above the Palm Coast median of $389,900. The market section on this page shows how the area is trending.

Which schools are assigned to 4 LINCOLN PLACE?+

Belle Terre Elementary School (elementary), Indian Trails Middle School (middle), Matanzas High School (high) — 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

$474,900 runs 25% above the PALM COAST 32137 median — but at 2,464 sqft it's also 31% larger than 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

Belle Terre Elementary School, Indian Trails Middle School, Matanzas High School — Matanzas High School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $494,900, now $474,900 — a $20K cut. The full history is in the market section below.

Listing courtesy of BETTER BUY REALTY LLC · Kathleen Donaghy. MLS #FC321256.

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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