Steeve Cadeau
$399,0003 bd2 ba2,193 sqft$182 /sqft$2,900 /mo all-in ↓

36 LANCASTER LANE, PALM COAST, FL, 32137

Active56 days on marketListed May 29, 2026MLS #FC318722

Single Family ResidenceMATANZAS WOODS

About this home

36 LANCASTER LANE

This beautifully maintained 3-bedroom, 2-bathroom home with large covered screened porch & private fenced yard offers an exceptional blend of classic charm and comfortable Florida living, nestled on a generous lot in one of Palm Coast's most established neighborhoods. The home's Mediterranean-inspired curb appeal features a newer shingle roof with upgraded venting, crisp stucco exterior, lush manicured lawn, mature shade trees, and a classic stone birdbath. Step through elegant double entry doors with leaded decorative glass into a bright, open foyer with gleaming tile flooring throughout the main living areas. The formal dining room showcases a beautiful vintage Italian Murano chandelier, tray ceilings, plantation shutters, and graceful arched architectural accents. The open-concept kitchen and living area is designed for everyday living and effortless entertaining. The kitchen features warm honey-toned wood cabinetry, dark countertops, a brand new sink and faucet, a large center island with breakfast bar seating, and included appliances — French door refrigerator, oven range, and built-in microwave. A breakfast nook with a curved bay window adds a cozy touch. The living room with coffered tray ceiling opens to the screened lanai through large sliding glass doors. Elegant velvet drapes are included. The screened lanai offers natural light, a ceiling fan, and views of the fully fenced backyard. A brick paver patio creates a serene garden setting beneath mature trees, with an included automatic irrigation system to keep it looking its best year-round. This home's upgrades deliver true peace of mind: Miami-Dade approved hurricane shutters on all doors and windows, and a 12kW standby generator wired for essential circuits — including refrigerator, freezer, A/C, lighting, and the PEP system — housed in a waterproof storage building. The 2-car garage features a remote-controlled roll-down shade and thermally insulated interior door covers. The primary suite features a coffered tray ceiling, plantation shutters, velvet drapes, and an en-suite bath with soaking tub and updated faucets. Additional bedrooms have tray ceilings, ceiling fans, and plantation shutters. A second full bath with an arched accent window serves guests and family. Bonus spaces include a dedicated home office and a flexible craft/hobby room. A laundry room with utility sink, washer/dryer, and a chest freezer complete the interior. All custom plantation shutters are included (velvet drapes in living room and master bedroom included; other window treatments excluded). A rare opportunity to own a truly move-in ready Florida home packed with thoughtful upgrades, standout architectural details, and curated spaces designed for comfortable, worry-free living.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,193

Sqft

0.23 ac

Lot size

2

Garage

2005

Year built

One

Levels

$182

Per sqft

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorAttic Ventilator · Ceiling Fan(s) · Primary Bedroom Main Floor · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouthwest
ExteriorPrivate Mailbox

Community & fees

Taxes (2025)$2,572/yr

Utilities & systems

UtilitiesCable Available · 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.

$2,900 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$214
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-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% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$2,900/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$214
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 $399K
$373KedgeAI estimate $402,755 · range $388K$445K$462K

vs edgeAI estimate

−0.9%

$/sqft vs MATANZAS WOODS

$182 vs $195

Days on market

56 vs 47 typical

Where $182/sqft sits among the 9 homes for sale in MATANZAS WOODS

2
2 · this home
1
1
2
1
$161–178$178–195$195–212$212–229$229–245$245+

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

Map of 36 LANCASTER LANE inside its neighborhood boundary

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 marketBalanced5.8 months of inventoryBuyer’s market

$353K$373K

Palm Coast median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

5 of 9

MATANZAS WOODS have cut their price

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

This home is listed 5% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

May 29, 2026Listed at $399,000 · 56 days on market since
2005Built · MATANZAS WOODS

Reality check

What actually sold near 36 LANCASTER LANE

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

2 BIRD HAVEN PLACESold · Dec ’25

$300,000

2 BIRD HAVEN PLACE · same community

4 bd · 2.5 ba · 2,143 sqft · $140/sqft · 36 DOM

49 LOUISIANA DRIVESold · Feb ’26

$448,000

49 LOUISIANA DRIVE · same community

4 bd · 2 ba · 2,277 sqft · $197/sqft · 22 DOM

3 LYSANDER LANESold · Mar ’26

$430,000

3 LYSANDER LANE · same community

4 bd · 2 ba · 2,100 sqft · $205/sqft · 3 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 36 LANCASTER 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 36 LANCASTER LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

36 LANCASTER LANE FAQs

What would the monthly payment be for 36 LANCASTER LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,900/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 36 LANCASTER LANE?+

The most recent tax bill on record (2025) was $2,572. 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 $399,000, this home is listed about 1% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.

Which schools are assigned to 36 LANCASTER LANE?+

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.

Listing courtesy of VIRTUAL HOMES REALTY · Alina Pekarsky. MLS #FC318722.

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.

Never miss a listing

New Palm Coast homes, in your inbox

Like 36 LANCASTER LANE but not quite? A daily digest of every new listing in Palm Coast — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Steeve to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 24, 2026 at 9:56 PM UTC. The listing information on this page last changed on July 24, 2026 at 9:56 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 24, 2026 at 9:56 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 24, 2026 at 9:56 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.