54 FORDHAM LANE, PALM COAST, FL, 32137
Active117 days on marketListed Apr 9, 2026MLS #FC317567
About this home
54 FORDHAM LANE
Welcome to 54 Fordham Lane, a standout coastal contemporary home with subtle mid-century modern flair and a long list of high-end upgrades. From the moment you step inside, you’re greeted by rich luxury vinyl plank flooring, crisp white interiors, and a clean, sophisticated design that feels both current and timeless. The fully remodeled 2022 kitchen is the heart of the home, featuring custom white cabinetry, quartz countertops, and a striking Brazilian wood tile backsplash. An oversized 8-foot island anchors the space—perfect for entertaining—while a hidden pantry and laundry area add both function and a unique design element. The open-concept great room showcases a custom wood beam detail and flows seamlessly to the screened lanai and sparkling in-ground pool, creating the ideal indoor-outdoor lifestyle buyers are looking for in Florida. Recent improvements provide peace of mind, including a newer A/C (2021), new hot water heater, electric pool heater, and updated gutters. Smart home features—Ring doorbell, Nest thermostat and smoke detector, keyless entry, and Google Home integration—bring modern convenience to everyday living. Located just minutes from the beach, shopping, and dining, this home offers the perfect balance of style, comfort, and location. Fully updated. Thoughtfully designed. Ready to enjoy now.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,920
Sqft
0.25 ac
Lot size
2
Garage
1984
Year built
One
Levels
$281
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.
$3,973 /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
$3,973/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
+18.2%
$/sqft vs PALM HARBOR
$281 vs $241
Days on market
117 vs 52 typical
Where $281/sqft sits among the 25 homes for sale in PALM HARBOR
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 Harbor
Get to know Palm Coast. See the full Palm Coast guide →
Palm Harbor — neighborhood snapshot
Population
16,621
Median age
57
Median income
$73,524
Median home value
$373,781
Avg household
2
Households w/ children
1,152
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 → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
12 of 25
PALM HARBOR have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 54 FORDHAM LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,700,000
7 PALM HARBOR DRIVE · same community
3 bd · 2 ba · 1,938 sqft · $877/sqft · 88 DOM
Sold · Feb ’26$499,000
16 S CLAYMONT COURT S · same community
3 bd · 2 ba · 1,993 sqft · $250/sqft · 191 DOM
Sold · Aug ’25$335,000
104 FOXHALL LANE · same community
3 bd · 2 ba · 1,815 sqft · $185/sqft · 45 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 54 FORDHAM LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 54 FORDHAM LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
54 FORDHAM LANE FAQs
What would the monthly payment be for 54 FORDHAM LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,973/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 54 FORDHAM LANE?+
The most recent tax bill on record (2025) was $4,822. 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 $539,000, this home is listed about 35% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 54 FORDHAM 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
Five things that matter here
01Positioned at the premium end
$539,000 runs 41% above the PALM COAST 32137 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
117 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $549,000, now $539,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Katherine Gable. MLS #FC317567.
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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