This home is in Pine Grove, Palm Coast.

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Pending

Pending·34 days on market·Pine Grove

64 Pennypacker Lane

Palm Coast, FL 32164

$384,900$163/sqftEst. $2,049/moMLS# 2150239

Beds

Baths

2,355

Sq Ft

2023

Built

Garage

Pool

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

Mortgage calculator

Home Price

$384,900

Down Payment: 20%

$76,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,956

Principal & Interest: $1,956

Est. Taxes & Insurance: $489

Estimated Total Monthly

$2,446

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,049

Estimated total, before insurance$2,049/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

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

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryBelle Terre

MiddleIndian Trails

HighFlagler Palm Coast

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