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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Pine Grove, Palm Coast — a home near Flagler Palm Coast High School.

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Sold

Sold·Closed Jul 17, 2026·22 days on market·Recent sales in Pine Grove·Pine Grove

64 Pennypacker Lane

Palm Coast, FL 32164

$379,000sold priceListed at $384,900 · 98.5% of asking$161/sqftMLS# 2150239
4
Beds
3
Baths
2,355
Sq Ft
2023
Built
3
Garage
No
Pool

8 more homes for sale in Pine Grove →Search Pine Grove on the map

No HOA10,454 sqft lotSingle Family Residence1 story

About this home

Pine Grove

Welcome to 64 Pennypacker Lane, where newer construction meets the space, freedom, and Florida lifestyle you've been searching for. Built in 2023 and offering over 2,300 square feet, this thoughtfully designed home features 4 bedrooms, 3 full bathrooms, and an open-concept layout that provides the flexibility today's buyers need. Whether you're working from home, hosting guests, or simply enjoying everyday life, there's room for it all. The spacious kitchen overlooks the main living and dining areas, creating a seamless flow that's perfect for entertaining and bringing people together. The private owner's suite offers a true retreat, complete with a spacious en-suite bath and separate his-and-her walk-in closets, giving everyone the storage space they've been wishing for. The home is further enhanced by a fully paid-off water softener system, offering peace of mind and improved water quality from day one. Step outside and discover one of the home's standout features. The screened

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,099
Estimated total, before insurance$2,099/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,501/yr · $375/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$379,000
$75,800
Loan Term
Monthly Payment
$2,099
Principal & Interest: $2,099
Insurance (est.): $253
Estimated Total Monthly
$2,352
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,778 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,501/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.

History

Price & status history

  • Jul 17, 2026Closed$384,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $170/sq ft; this home is listed at $163/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10 Patchogue Lane, Palm Coast, FL 32164Listed by MARK SPAIN REAL ESTATEJul 2026$275,000$1364/22,027810.6
11 Parkway Drive, Palm Coast, FL 32164Listed by NON MLS (realMLS)Sep 2026$360,000$1703/22,11700.7
31 Green Circle, Palm Coast, FL 32164Listed by D R HORTON REALTY INCSep 2026$349,795$1764/21,9863030.8
105 Green Circle, Palm Coast, FL 32164Listed by D R HORTON REALTY INCAug 2026$299,900$1672/21,7994030.9
73 Green Circle, Palm Coast, FL 32164Listed by D R HORTON REALTY INCAug 2026$303,185$1692/21,7994100.9
107 Green Circle, Palm Coast, FL 32164Listed by D R HORTON REALTY INCAug 2026$368,220$1854/21,986130.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$384,900
Price / Sq Ft$163
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,355
Total Structure Area3,370 sq ft
Acres0.24 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

ElementaryBelle Terre
MiddleIndian Trails

Community Information

Address64 Pennypacker Lane, Palm Coast, FL 32164
Area601-Flagler County-North Central
SubdivisionPine Grove
CityPalm Coast
CountyFlagler
StateFL
Zip Code32164
Lot Size10,454.4 sq ft
Lot Dimensions10,461.843
Parcel Number0711317025002200380
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Off Street

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio
FencingBack Yard, Full, Privacy, Vinyl
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedJune 12, 2026
Days on Market22
Tax Amount$4,501.17
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE NEWCOMER GROUP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Pine Grove

Pine Grove is a neighborhood in Jacksonville Beach, FL (Flagler County), ZIP 32164.

View all Pine Grove homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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