
32 FEDERAL LANE, PALM COAST, FL, 32137
Active26 days on marketListed Jul 13, 2026MLS #FC319804
About this home
32 FEDERAL LANE
Virtually Staged. Luxury Living. Exceptional Value. Discover the U.S. Signature Homes difference in this beautifully crafted, newly completed concrete block home with a heated pool, ideally located in Palm Harbor, one of Palm Coast's most established and desirable neighborhoods, just minutes from James F. Holland Memorial Park, Island Walk Shopping Center, Publix, restaurants, medical facilities, walking and biking trails, and a short drive to Flagler's beautiful beaches. Backed by a comprehensive builder warranty package including a 2-year systems warranty and 10-year structural warranty, this home features 48" x 24" porcelain tile, quartz kitchen countertops, quartzite bath countertops, frameless glass shower enclosures, Delta designer fixtures, an LG stainless steel appliance package, and designer finishes. Every finish was intentionally selected to deliver the quality, style, and craftsmanship that define every US Signature Home. An elegant 8-foot glass entry door welcomes you into a bright, open floor plan with vaulted ceilings, 48" x 24" porcelain tile throughout the main living areas, luxury vinyl plank flooring in all bedrooms, 5¼-inch baseboards, upgraded LED lighting, Low-E vinyl windows, and soft-close cabinetry and drawers. The designer kitchen features quartz countertops, an oversized island finished with cabinetry on all four sides, a generous walk-in pantry, an LG stainless steel appliance package, designer pendant lighting, an undermount sink, and a Delta Antoni pull-down faucet. The oversized primary suite features a recessed tray ceiling, an oversized walk-in closet, and a spa-inspired bath with quartzite countertops, dual undermount sinks, Delta Arvo widespread faucets, a Delta Arvo 2-in-1 shower system, 24" x 48" porcelain shower wall tile, and a frameless glass shower enclosure. The guest bath continues the same quality with quartzite countertops and Delta Arvo fixtures. Additional features include a dedicated laundry room, three linen closets, a coat closet, abundant storage, an epoxy-coated garage floor, premium plumbing and lighting fixtures, and energy-efficient concrete block construction. Designed for Florida indoor/outdoor living, the covered lanai overlooks the heated, screened resort-style pool featuring a sun shelf with umbrella sleeve, color-changing LED lighting, and a premium pebble finish. The generous backyard extends beyond the pool enclosure and is enhanced by rear privacy fencing, providing additional space to relax, entertain, or personalize your outdoor retreat. Homes of this caliber are rarely available in Palm Harbor. Built with quality, designer finishes, and exceptional craftsmanship, this is the US Signature Homes difference—where Luxury Living meets Exceptional Value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,716
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$300
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.
$3,488 /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
$3,488/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
+10.7%
$/sqft vs Palm Coast actives
$300 vs $222
Days on market
26 vs 49 typical
Where $300/sqft sits among the 400 Palm Coast actives
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 → $361K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
193 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 34% 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 32 FEDERAL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$365,000
12 FERNWOOD LANE · same community
3 bd · 3 ba · 1,709 sqft · $214/sqft · 30 DOM
Sold · Dec ’25$315,000
15 FELTER LANE · same community
3 bd · 2 ba · 1,694 sqft · $186/sqft · 15 DOM
Sold · Oct ’25$178,000
6 FERDINAND LANE · same community
2 bd · 2 ba · 1,682 sqft · $106/sqft · 10 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 32 FEDERAL LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 32 FEDERAL 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
32 FEDERAL LANE FAQs
What would the monthly payment be for 32 FEDERAL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,488/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 32 FEDERAL LANE?+
The most recent tax bill on record (2025) was $900. 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 32 FEDERAL LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $514,000, this home is listed about 29% 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 32 FEDERAL 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
Three things that matter here
01Positioned at the premium end
$514,000 runs 34% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Michael Sawdai. MLS #FC319804.
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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