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Active

Active·125 days on market

14 Whetstone Lane

Palm Coast, FL 32164

$464,999$127/sqftEst. $2,393/moMLS# 2139375

Beds

Baths

3,668

Sq Ft

1994

Built

Garage

Pool

About this home

Palm Coast

VIRTUALLY STAGED. INCREDIBLE SPACE & VALUE IN PALM COAST! Welcome to 14 Whetstone Lane, offering an impressive 3,668 sq. ft. of living space with 4 bedrooms and 3.5 baths. The spacious, flexible floor plan is ideal for large or multigenerational families, guests, working from home, or anyone who simply wants room to spread out. A major bonus is TWO BEDROOMS DOWNSTAIRS, providing added flexibility for guests, extended family, teens, or an office. Upstairs, the oversized primary suite offers a private retreat with balcony and plenty of room to relax. Enjoy a fenced backyard and covered patio with room for outdoor entertaining or a future pool. A 12' x 24' saltwater pool option is available separately--ask for details! Additional highlights include a 2022 roof and convenient access to shopping, dining, schools, I-95, parks, and beaches. Priced at $464,999 with 3,668 sq. ft. of incredible space and value!

Cost to own

Mortgage calculator

Home Price

$464,999

Down Payment: 20%

$93,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,393

Principal & Interest: $2,393

Insurance (est.): $310

Estimated Total Monthly

$2,703

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$2,393

Estimated total, before insurance$2,393/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,098/yr · $508/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,098/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · Palm Coast - building count > 0 within city limits · Public water (record)

County records show this parcel on central sewer served by Palm Coast - building count > 0 within city limits — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,785 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 16, 2026Price change$464,999−$10,000
Apr 10, 2026Listed$474,999

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$464,999

Price / Sq Ft$127

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,668

Acres0.24 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSoutheast

School Information

ElementaryWadsworth

MiddleBuddy Taylor

HighFlagler Palm Coast

Community Information

Address14 Whetstone Lane, Palm Coast, FL 32164

Area601-Flagler County-North Central

SubdivisionPine Lakes

CityPalm Coast

CountyFlagler

StateFL

Zip Code32164

Lot Size10,454.4 sq ft

Parcel Number0711317023006200100

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Off Street

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Eat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Electric Water Heater, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Upper Level, Washer Hookup

SecuritySmoke Detector(s)