
28 FIELDING LANE, PALM COAST, FL, 32137
Active0 days on marketListed Aug 3, 2026MLS #FC320181
About this home
28 FIELDING LANE
We are pleased to present this saltwater pool home located on a quarter-acre lot in the F-Section of Palm Harbor. The driveway, walkway, and front porch are polyaspartic coated and the yard has an attractive display of mature trees and block-lined flowers beds. The home welcomes you with a covered porch and a faux-wood entry door with sidelights and a transom window. As you enter, the great room is filled with bright light streaming through multiple sets of French doors and windows with plantation shutters. The living area features plank flooring and a wood-burning fireplace with natural stone tiled wall and a wooden mantle. Kitchen upgrades include detailed cabinetry with crown and rail moldings, a full-length raised breakfast bar, granite countertops, tile backsplash, stainless steel appliances, double oven, gas range, farmhouse sink, coffee bar, and a pantry with built in shelving for additional storage. The split floor plan gives the primary bedroom privacy with its own set of French doors leading to the patio and pool area. The en-suite primary bathroom promotes tranquility and relaxation with a slipper tub, large dual sink area with granite counters, tiled shower with a bench, private water closet, and a thoughtfully designed walk-in closet. Bedrooms 2 and 3 each have hinged closet doors and ceiling fans. The two bedrooms share a linen closet and an upgraded bathroom with tile flooring, quartz vanity, and a rainfall shower with a glass wall and modern gray tile. As you move to the rear of the home, you enter a private oasis as you step outside on the travertine tiled patio and paver pool deck. The roofed lanai is spacious with room to dine, relax, and soak in the hot tub. The solar-heated saltwater pool was designed to unwind or entertain with a built-in granite tabletop, sun shelf for tanning, and a waterfall feature. The backyard is fully fenced and has a large custom-built shed and an outdoor sitting/gardening area with a pergola, stone ground cover, and a utility sink. The laundry room has wall shelving for storage and leads to the garage. The garage has a tiled floor, a garage door with upper windows, and a retractable screen. There are also built-in cabinets with counter space, ceiling fans, a garage door opener, an extra refrigerator, and pull-down attic stairs. Home updates include addition of a whole-house generator in 2020, replaced HVAC in 2019, reroof in 2016, addition of vinyl fence in 2019 and replaced garage door in 2023. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,763
Sqft
0.25 ac
Lot size
2
Garage
2004
Year built
One
Levels
$255
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.
$3,219 /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
$3,219/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
+9.1%
Days on market
0 vs 52 typical
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 28 FIELDING LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 FIELDING LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
28 FIELDING LANE FAQs
What would the monthly payment be for 28 FIELDING LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,219/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 28 FIELDING LANE?+
The most recent tax bill on record (2025) was $2,612. 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 $449,000, this home is listed about 12% 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 28 FIELDING 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
Four things that matter here
01Positioned at the premium end
$449,000 runs 17% 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.
03Fresh on the market
Listed today in a Palm Coast market that averages 52 — if it fits, move quickly.
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.
Listing courtesy of WATSON REALTY CORP · Carol Carroll. MLS #FC320181.
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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