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Active

Active·60 days on market

54 Fordham Lane

Palm Coast, FL 32137

$539,000$281/sqftEst. $2,748/moMLS# 2147087

Beds

Baths

1,920

Sq Ft

1984

Built

Garage

Yes

Pool

About this home

Palm Coast

Welcome to 54 Fordham Lane, a standout coastal contemporary residence with subtle mid-century modern flair and high-end upgrades throughout. Rich luxury vinyl plank flooring, crisp white interiors, and a clean sophisticated design create a modern yet timeless feel. The fully remodeled 2022 kitchen features custom white cabinetry, quartz countertops, Brazilian wood tile backsplash, oversized 8-foot island, and a hidden pantry/laundry area. The open-concept great room with custom wood beam detail flows seamlessly to the screened lanai and sparkling in-ground pool, creating the ideal indoor-outdoor Florida lifestyle. Recent improvements include a newer A/C (2021), new hot water heater, electric pool heater, and updated gutters. Smart home features include Ring doorbell, Nest thermostat, keyless entry, and Google Home integration. Conveniently located near European Village, shopping, restaurants, Flagler Beach, and Washington Oaks Gardens State Park.

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,748

Principal & Interest: $2,748

Insurance (est.): $359

Estimated Total Monthly

$3,108

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,748

Estimated total, before insurance$2,748/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,822/yr · $402/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,822/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Metal — year not disclosed (home built 1984)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,592 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

May 26, 2026Listed$539,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$539,000

Price / Sq Ft$281

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,920

Acres0.25 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Screen Enclosure

Is WaterfrontNo

Direction FacesNortheast

Community Information

Address54 Fordham Lane, Palm Coast, FL 32137

Area601-Flagler County-North Central

SubdivisionPalm Harbor

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size10,890 sq ft

Lot Dimensions80x125

Parcel Number0711317007000400200

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s)

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

LaundryIn Unit