31 PENNSYLVANIA LANE, PALM COAST, FL, 32164
Active6 days on marketListed Aug 3, 2026MLS #TB8535166
About this home
31 PENNSYLVANIA LANE
Professionally redesigned from the ground up, this stunning 3-bedroom, 2-bath home is far from a typical renovation, blending modern updates, timeless style, and everyday comfort. Every detail has been thoughtfully selected to create a home that feels both refined and effortlessly livable. Extensive improvements include a new roof and heat pump (2023), a beautifully redesigned kitchen featuring quartz countertops, new cabinetry, and stainless-steel appliances. Redesigned primary bathroom and other numerous upgrades throughout. With no HOA and no CDD fees, you’ll enjoy lower ownership costs. Conveniently located just minutes from beaches, golf, shopping, dining, parks, and everyday conveniences, this home offers the perfect balance of comfort, style, and location. An optional turnkey furnishings package is available, including quality furniture, décor, kitchenware, dishes, cookware, and household essentials—making this an exceptional opportunity as a primary residence, vacation home, or fully furnished short-term rental.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,015
Sqft
0.23 ac
Lot size
2
Garage
1986
Year built
One
Levels
$196
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.
$2,784 /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
$2,784/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
+24.3%
$/sqft vs SOUTHWEST QUADRANT PH 01-04
$196 vs $217
Days on market
6 vs 49 typical
Where $196/sqft sits among the 14 homes for sale in SOUTHWEST QUADRANT PH 01-04
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 Belle Terre
Get to know Palm Coast. See the full Palm Coast guide →
Belle Terre — neighborhood snapshot
Population
5,687
Median age
48
Median income
$62,936
Median home value
$295,367
Avg household
3
Households w/ children
517
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)
3 of 14
SOUTHWEST QUADRANT PH 01-04 have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% above the PALM COAST 32164 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 31 PENNSYLVANIA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$269,350
31 PENNSYLVANIA LANE · same community
3 bd · 2 ba · 2,015 sqft · $134/sqft · 146 DOM
Sold · Jul ’26$279,000
222 PARKVIEW DRIVE · same community
3 bd · 2 ba · 2,019 sqft · $138/sqft · 6 DOM
Sold · Jul ’26$275,000
10 PATCHOGUE LANE · same community
3 bd · 2 ba · 2,027 sqft · $136/sqft · 69 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 31 PENNSYLVANIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 PENNSYLVANIA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
31 PENNSYLVANIA LANE FAQs
What would the monthly payment be for 31 PENNSYLVANIA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,784/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 31 PENNSYLVANIA LANE?+
The most recent tax bill on record (2025) was $1,501. 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 $394,900, this home is listed about 1% below the Palm Coast median of $399,000. The market section on this page shows how the area is trending.
Which schools are assigned to 31 PENNSYLVANIA LANE?+
Lewis E. Wadsworth Elementary (elementary), Buddy Taylor Middle School (middle), Flagler-Palm Coast High School (high) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FLAT FEE MLS REALTY · Stephen Hachey. MLS #TB8535166.
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 31 PENNSYLVANIA 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 Darrick to ping you on any price or status change →